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  "fact-395": {
   "value": "800000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromIssuingShares",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-396": {
   "value": "1400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromIssuingShares",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-397": {
   "value": "-1489000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-398": {
   "value": "-654100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-399": {
   "value": "717400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-400": {
   "value": "-530100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-401": {
   "value": "2514000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-402": {
   "value": "3044100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-403": {
   "value": "3231400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-404": {
   "value": "2514000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-405": {
   "value": "717400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-406": {
   "value": "-530100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-15": {
   "value": "89900000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:SharesRepurchased",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-12": {
   "value": "150000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:SharesRepurchased",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-16": {
   "value": "400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:TransactionCosts",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-13": {
   "value": "800000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:TransactionCosts",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-17": {
   "value": "300000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:IncentiveFee",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-14": {
   "value": "1600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:IncentiveFee",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-408": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs54\">1. <span class=\"_ _f\"> </span>Acc<span class=\"_ _3\"></span>ounting policies<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs55\">a<span class=\"_ _0\"></span>) <span class=\"_ _11c\"> </span>B<span class=\"_ _3\"></span>asis of pr<span class=\"_ _3\"></span>eparation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs56\">The financial st<span class=\"_ _0\"></span>atements have been pr<span class=\"_ _0\"></span>epared in accordance with In<span class=\"_ _0\"></span>ternational Financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs57\">Reporting Standar<span class=\"_ _0\"></span>ds (IFRS) as adopted by the United Kingdom Endor<span class=\"_ _0\"></span>sement Board (UKEB) and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs58\">interpr<span class=\"_ _0\"></span>etations issued by the IFRS Interpr<span class=\"_ _0\"></span>etations Committee (IFRS IC) and in conf<span class=\"_ _0\"></span>ormity with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs59\">the requiremen<span class=\"_ _0\"></span>ts of the Companies Act 2006<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a\">The financial st<span class=\"_ _0\"></span>atements have been pr<span class=\"_ _0\"></span>epared on a hist<span class=\"_ _0\"></span>orical cost basis<span class=\"_ _0\"></span>, as modified by the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b\">rev<span class=\"_ _0\"></span>aluation of inv<span class=\"_ _0\"></span>estment securities and derivativ<span class=\"_ _0\"></span>e contract<span class=\"_ _0\"></span>s and other financial assets held </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c\">at<span class=\"_ gs2a\"> </span>fair value thr<span class=\"_ _0\"></span>ough profit or loss (FV<span class=\"_ _3\"></span>TPL) or FV<span class=\"_ _0\"></span>OCI (see note 1 m. (ii)).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d\">The financial st<span class=\"_ _0\"></span>atements are pr<span class=\"_ _0\"></span>esented in pounds Sterling. All amoun<span class=\"_ _0\"></span>ts in the financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5e\">st<span class=\"_ _0\"></span>atements have been r<span class=\"_ _0\"></span>ounded to the neares<span class=\"_ _0\"></span>t \u00a30<span class=\"_ _0\"></span>.1m. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs5f\">b<span class=\"_ _0\"></span>) <span class=\"_ _11c\"> </span>G<span class=\"_ _3\"></span>oing co<span class=\"_ _3\"></span>ncern<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs60\">The Board undertak<span class=\"_ _0\"></span>es regular rigor<span class=\"_ _0\"></span>ous assessments of whether the Group is a going concern </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs61\">in light of curr<span class=\"_ _0\"></span>ent and potential futur<span class=\"_ _0\"></span>e economic conditions and all available information about </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs62\">future risk<span class=\"_ _0\"></span>s and uncertainties. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63\">In assessing whether the going concern basis is appropriate<span class=\"_ _0\"></span>, projections for the Group hav<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs64\">been prepared, co<span class=\"_ _0\"></span>vering its futur<span class=\"_ _0\"></span>e per<span class=\"_ _3\"></span>formance<span class=\"_ _0\"></span>, capital, and liquidity for a period in e<span class=\"_ _0\"></span>xcess of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs65\">12 months from the dat<span class=\"_ _0\"></span>e of approv<span class=\"_ _0\"></span>al of these financial stat<span class=\"_ _0\"></span>ements. These f<span class=\"_ _0\"></span>orecast<span class=\"_ _0\"></span>s have been </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs66\">subject to sensitivity tes<span class=\"_ _0\"></span>ts utilising a range of s<span class=\"_ _0\"></span>tress scenarios<span class=\"_ _0\"></span>, which have been compared to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs67\">the lates<span class=\"_ _0\"></span>t economic scenarios provided by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s e<span class=\"_ _0\"></span>xternal economic advisors, as w<span class=\"_ _0\"></span>ell as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68\">rev<span class=\"_ _0\"></span>erse s<span class=\"_ _0\"></span>tress tes<span class=\"_ _0\"></span>ts. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs69\">The assessments include the f<span class=\"_ _0\"></span>ollowing: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6a\">\u2022 <span class=\"_ _15\"> </span>Financial and capital forecas<span class=\"_ _0\"></span>ts wer<span class=\"_ _0\"></span>e prepared utilising the lates<span class=\"_ _0\"></span>t economic forecas<span class=\"_ _0\"></span>ts </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b\">provide<span class=\"_ _0\"></span>d by the Group\u2019<span class=\"_ _2\"></span>s external economic advisers<span class=\"_ _0\"></span>. Rev<span class=\"_ _0\"></span>erse s<span class=\"_ _0\"></span>tress test<span class=\"_ _0\"></span>s were run t<span class=\"_ _0\"></span>o identify </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6c\">combinations of adver<span class=\"_ _0\"></span>se movemen<span class=\"_ _0\"></span>ts in house prices and unemployment lev<span class=\"_ _0\"></span>els which would </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6d\">result in the Group br<span class=\"_ _0\"></span>eaching its minimum regulatory and t<span class=\"_ _0\"></span>otal loss-absorbing capital </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e\">requiremen<span class=\"_ _0\"></span>ts. The r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>se stress t<span class=\"_ _0\"></span>esting also considered what macr<span class=\"_ _0\"></span>oeconomic scenarios </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f\">would be r<span class=\"_ _0\"></span>equired for the Group t<span class=\"_ _0\"></span>o breach its int<span class=\"_ _0\"></span>erim 18% Minimum Requirement f<span class=\"_ _0\"></span>or own </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs70\">funds and Eligible Liabilities (MREL) requir<span class=\"_ _0\"></span>ement as of these dates<span class=\"_ _0\"></span>. The Director<span class=\"_ _0\"></span>s assessed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71\">the lik<span class=\"_ _0\"></span>elihood of those re<span class=\"_ _0\"></span>verse s<span class=\"_ _0\"></span>tress scenarios occurring within the next 12 months and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs72\">concluded that the lik<span class=\"_ _0\"></span>elihood is remote<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs73\">\u2022 <span class=\"_ _15\"> </span>The latest liquidity and contingen<span class=\"_ _0\"></span>t liquidity positions and forecas<span class=\"_ _0\"></span>ts wer<span class=\"_ _0\"></span>e assessed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs74\">against in<span class=\"_ _0\"></span>ternal combined str<span class=\"_ _0\"></span>ess scenarios with the Group maintaining sufficient liquidity </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75\">throughout the going concern assessment period.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws12 gs77\">\u2022 <span class=\"_ _15\"> </span><span class=\"ws0\">The Group continues to assess and mature the resilience o<span class=\"_ _0\"></span>f its business operating model and </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs78\">supporting infras<span class=\"_ _0\"></span>tructure in the context o<span class=\"_ _0\"></span>f the emerging economic, business and r<span class=\"_ _0\"></span>egulatory </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs79\">environmen<span class=\"_ _0\"></span>t. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Operational Resilience Self-<span class=\"_ _0\"></span>Assessment R<span class=\"_ _0\"></span>epor<span class=\"_ _3\"></span>t for 2<span class=\"_ _0\"></span>023 was </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs7a\">revie<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>d and endorsed by the Group Risk Committee and appro<span class=\"_ _0\"></span>ved by the Boar<span class=\"_ _0\"></span>d in June </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs7b\">2024<span class=\"_ _0\"></span>. The Group is in the process o<span class=\"_ _0\"></span>f updating this for 2025 and has identifie<span class=\"_ _0\"></span>d no material </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs7c\">changes to its conclusions<span class=\"_ _0\"></span>. Key ar<span class=\"_ _0\"></span>eas of focus include the pro<span class=\"_ _0\"></span>vision of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Important </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs7d\">Business Services (IBSs) to minimise the impact of any service disruptions on the firm<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs7e\">cust<span class=\"_ _0\"></span>omers or the wider financial services industry, and validating the lev<span class=\"_ _0\"></span>els of resilience of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws6f gs7f\">third parties that the Group depends upon for deliv<span class=\"_ _0\"></span>ery of its IBSs<span class=\"_ _0\"></span>. There wer<span class=\"_ _0\"></span>e no items identified </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls14 ws0 gs80\">that could threaten the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s viability over the going concern assessment time horiz<span class=\"_ _0\"></span>on.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs81\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial projections demons<span class=\"_ _0\"></span>trate that the Gr<span class=\"_ _0\"></span>oup has suf<span class=\"_ _3\"></span>ficient capit<span class=\"_ _0\"></span>al and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs82\">liquidity to continue to meet it<span class=\"_ _0\"></span>s regulatory capital r<span class=\"_ _0\"></span>equirements as set out by the Pruden<span class=\"_ _0\"></span>tial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs83\">Regulation Authority (PR<span class=\"_ _0\"></span>A).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs84\">The Board has ther<span class=\"_ _0\"></span>efore concluded that the Group has sufficient resour<span class=\"_ _0\"></span>ces to continue in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs85\">operational e<span class=\"_ _0\"></span>xistence for a period in e<span class=\"_ _0\"></span>xcess of 12 months fr<span class=\"_ _0\"></span>om the date of appro<span class=\"_ _0\"></span>val of these </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs86\">financial st<span class=\"_ _0\"></span>atements and, as a result, it is appr<span class=\"_ _0\"></span>opriate to prepare these consolidate<span class=\"_ _0\"></span>d financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs87\">st<span class=\"_ _0\"></span>atements on a going concern basis<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs88\">c<span class=\"_ _0\"></span>) <span class=\"_ _9\"> </span>B<span class=\"_ _3\"></span>asis of con<span class=\"_ _3\"></span>solidation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs89\">The Group accounts include the r<span class=\"_ _0\"></span>esults of OSB GROUP PL<span class=\"_ _2\"></span>C (the C<span class=\"_ _3\"></span>ompany) and all its </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs8a\">subsidiary undertakings. Subsidiaries are those en<span class=\"_ _0\"></span>tities, including s<span class=\"_ _0\"></span>tructured entities<span class=\"_ _0\"></span>, over </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs8b\">which the Group has contr<span class=\"_ _0\"></span>ol. The Group controls an en<span class=\"_ _0\"></span>tity when it is exposed, or has rights<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs8c\">to<span class=\"_ gs2a\"> </span>variable r<span class=\"_ _0\"></span>eturns from its inv<span class=\"_ _0\"></span>olvement with the entity and has the ability t<span class=\"_ _0\"></span>o af<span class=\"_ _3\"></span>fect those </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs8d\">returns through it<span class=\"_ _0\"></span>s pow<span class=\"_ _0\"></span>er over the in<span class=\"_ _0\"></span>vestee<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs8e\">Judgement is applied in assessing the rele<span class=\"_ _0\"></span>vant fac<span class=\"_ _0\"></span>tors and conditions in totality when </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs8f\">determining whether the Group con<span class=\"_ _0\"></span>trols an entity. Specifically, judgement is applied in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs90\">assessing whether the Group has subs<span class=\"_ _0\"></span>tantive decision-making righ<span class=\"_ _0\"></span>ts over the r<span class=\"_ _0\"></span>elevant </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs91\">activities and whether it is ex<span class=\"_ _0\"></span>ercising pow<span class=\"_ _0\"></span>er as a principal or an agent.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs92\">The Group is not deemed to con<span class=\"_ _0\"></span>trol an entity when it ex<span class=\"_ _0\"></span>ercises pow<span class=\"_ _0\"></span>er ov<span class=\"_ _0\"></span>er an entity in an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs93\">agency capacity. In determining whether the Group is ac<span class=\"_ _0\"></span>ting as an agent, the Director<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs94\">consider the ov<span class=\"_ _0\"></span>erall relationship betw<span class=\"_ _0\"></span>een the Group, the inv<span class=\"_ _0\"></span>estee and other parties to the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs95\">arrangemen<span class=\"_ _0\"></span>t with respect to the follo<span class=\"_ _0\"></span>wing factors: (i) the scope o<span class=\"_ _0\"></span>f the Group\u2019<span class=\"_ _2\"></span>s decision-making<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs96\">pow<span class=\"_ _0\"></span>er; (ii) the rights held by other parties; (iii) the remuner<span class=\"_ _0\"></span>ation to which the Group is entitled; </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs97\">and (iv) the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s e<span class=\"_ _0\"></span>xposure to variability of r<span class=\"_ _0\"></span>eturns. The determination o<span class=\"_ _0\"></span>f control is based on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs98\">the current f<span class=\"_ _0\"></span>acts and circumst<span class=\"_ _0\"></span>ances and is continuously assessed. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs99\">Where the Group does not r<span class=\"_ _0\"></span>etain a direct o<span class=\"_ _0\"></span>wnership inter<span class=\"_ _0\"></span>est in a securitisation entity, but </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs9a\">the Director<span class=\"_ _0\"></span>s have determined that the Gr<span class=\"_ _0\"></span>oup controls those entities<span class=\"_ _0\"></span>, they are treate<span class=\"_ _0\"></span>d as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs9b\">subsidiaries and are consolidated. Con<span class=\"_ _0\"></span>trol is determined to e<span class=\"_ _0\"></span>xist if the Group has the po<span class=\"_ _0\"></span>wer to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs9c\">direct the activities of each en<span class=\"_ _0\"></span>tity (for ex<span class=\"_ _0\"></span>ample, managing the performance of the underlying </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs9d\">mortgage assets and raising debt on those mortgage assets which is used t<span class=\"_ _0\"></span>o fund the Group) </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs9e\">and, in addition to this<span class=\"_ _0\"></span>, the Group is exposed to a v<span class=\"_ _0\"></span>ariable return (for ex<span class=\"_ _0\"></span>ample, retaining the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs9f\">residual risk on the mortgage assets).<span class=\"_ _35a\"> </span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa1\">Securitisation structur<span class=\"_ _0\"></span>es that do not meet these criteria are not treat<span class=\"_ _0\"></span>ed as subsidiaries and are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa2\">ex<span class=\"_ _0\"></span>cluded from the consolidated accounts<span class=\"_ _0\"></span>. The Group applies the net appro<span class=\"_ _0\"></span>ach in accounting </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa3\">for securitisation s<span class=\"_ _0\"></span>tructures where it retains an in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t in the securitisation, netting the loan </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa4\">notes held agains<span class=\"_ _0\"></span>t the deemed loan balance. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa5\">Subsidiaries are fully consolidated fr<span class=\"_ _0\"></span>om the date on which control is tr<span class=\"_ _0\"></span>ansferred to the Gr<span class=\"_ _0\"></span>oup </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa6\">and are deconsolidated fr<span class=\"_ _0\"></span>om the date that control ceases<span class=\"_ _0\"></span>. Upon consolidation, intercompany </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa7\">transactions<span class=\"_ _0\"></span>, balances and unrealised gains on tr<span class=\"_ _0\"></span>ansactions are eliminated. Unre<span class=\"_ _0\"></span>alised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa8\">losses are also eliminated unless the tr<span class=\"_ _0\"></span>ansaction provides e<span class=\"_ _0\"></span>vidence of impairment of the asset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsa9\">transf<span class=\"_ _0\"></span>erred. Accounting policies of subsidiaries hav<span class=\"_ _0\"></span>e been changed where necessary to ensure </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsaa\">consistency, so f<span class=\"_ _0\"></span>ar as is possible, with the policies adopted by the Gr<span class=\"_ _0\"></span>oup. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsab\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s EB<span class=\"_ _0\"></span>T is controlled and recognised by the Company using the look<span class=\"_ _0\"></span>-through </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsac\">approach, i.<span class=\"_ _0\"></span>e. as if the EB<span class=\"_ _0\"></span>T is included within the accounts of the Company. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsad\">In the Company\u2019<span class=\"_ _0\"></span>s financial s<span class=\"_ _0\"></span>tatement<span class=\"_ _0\"></span>s, inv<span class=\"_ _0\"></span>estment<span class=\"_ _0\"></span>s in subsidiary under<span class=\"_ _3\"></span>takings ar<span class=\"_ _0\"></span>e stated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsae\">at cost less impairmen<span class=\"_ _0\"></span>t. A full list of the Company\u2019<span class=\"_ _2\"></span>s subsidiaries which are included in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsaf\">the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements c<span class=\"_ _0\"></span>an be found in note 2 to the Company\u2019<span class=\"_ _2\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb0\">financial<span class=\"_ gs2a\"> </span>st<span class=\"_ _0\"></span>atements on page 260 t<span class=\"_ _0\"></span>o 262.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gsb1\">d) <span class=\"_ _11c\"> </span>Foreign curre<span class=\"_ _3\"></span>ncy transl<span class=\"_ _3\"></span>ation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb2\">The financial st<span class=\"_ _0\"></span>atements of each o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s subsidiaries are measur<span class=\"_ _0\"></span>ed using the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gsb3\">currency of the primary economic en<span class=\"_ _0\"></span>vironment in which the subsidiary operat<span class=\"_ _0\"></span>es (the functional<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb4\">currency). Foreign curr<span class=\"_ _0\"></span>ency transactions are tr<span class=\"_ _0\"></span>anslated into the functional curr<span class=\"_ _0\"></span>encies using </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb5\">the ex<span class=\"_ _0\"></span>change rates pre<span class=\"_ _0\"></span>vailing at the date of the tr<span class=\"_ _0\"></span>ansactions. Monetary it<span class=\"_ _0\"></span>ems denominated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb6\">in<span class=\"_ gs2a\"> </span>foreign curr<span class=\"_ _0\"></span>encies are retr<span class=\"_ _0\"></span>anslated at the rate pr<span class=\"_ _0\"></span>evailing at the period end.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gsb7\">e<span class=\"_ _0\"></span>) <span class=\"_ _9\"> </span>S<span class=\"_ _3\"></span>egmental r<span class=\"_ _3\"></span>epor<span class=\"_ _3\"></span>ting<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb8\">IFRS 8 requir<span class=\"_ _0\"></span>es operating segment<span class=\"_ _0\"></span>s to be identified on the basis of in<span class=\"_ _0\"></span>ternal reports and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsb9\">components of the Gr<span class=\"_ _0\"></span>oup which are regularly r<span class=\"_ _0\"></span>eview<span class=\"_ _0\"></span>ed by the chief operating decision mak<span class=\"_ _0\"></span>er </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsba\">to allocate r<span class=\"_ _0\"></span>esources to segments and t<span class=\"_ _0\"></span>o assess their performance. For this purpose, the chie<span class=\"_ _0\"></span>f </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsbb\">operating decision mak<span class=\"_ _0\"></span>er of the Gr<span class=\"_ _0\"></span>oup is the Board of Direct<span class=\"_ _0\"></span>ors.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsbc\">The Group pro<span class=\"_ _0\"></span>vides loans, asset finance and r<span class=\"_ _0\"></span>etail deposits within the UK.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsbd\">The Group segment<span class=\"_ _0\"></span>s its lending business and operates under tw<span class=\"_ _0\"></span>o segments: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsbe\">\u2022 <span class=\"_ _15\"> </span>OneSavings Bank (OSB)<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsbf\">\u2022 <span class=\"_ _15\"> </span>Char<span class=\"_ _3\"></span>ter Court Financial Services (CCFS)<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc0\">The Group has disclosed rele<span class=\"_ _0\"></span>vant risk managemen<span class=\"_ _0\"></span>t tables in note 42 at a sub-segment le<span class=\"_ _0\"></span>vel to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc1\">provide de<span class=\"_ _0\"></span>tailed analysis of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s core lending business<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gsc3\">f<span class=\"_ _3\"></span>) <span class=\"_ _c\"> </span>Interest income a<span class=\"_ _0\"></span>nd expense<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc4\">Inter<span class=\"_ _0\"></span>est income and inter<span class=\"_ _0\"></span>est expense f<span class=\"_ _0\"></span>or all interes<span class=\"_ _0\"></span>t-bearing financial instrument<span class=\"_ _0\"></span>s is recognised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc5\">in profit or loss using the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (EIR) method. The EIR is the r<span class=\"_ _0\"></span>ate which discounts </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc6\">the expected futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>, ov<span class=\"_ _0\"></span>er the expected life o<span class=\"_ _0\"></span>f the financial instrument, to the net </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc7\">carrying value of the financial asset or liability. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc8\">Inter<span class=\"_ _0\"></span>est income on financial assets cate<span class=\"_ _0\"></span>gorised as stage 1 or 2 is reco<span class=\"_ _0\"></span>gnised on a gross basis, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsc9\">with inter<span class=\"_ _0\"></span>est income on st<span class=\"_ _0\"></span>age 3 assets recognised net of e<span class=\"_ _0\"></span>xpected credit losses (ECL). </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gsca\">For purchased or originate<span class=\"_ _0\"></span>d credit-impaired assets (see not<span class=\"_ _0\"></span>e 1 m (vii), interes<span class=\"_ _0\"></span>t income is calculated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gscb\">by applying the credit-adjus<span class=\"_ _0\"></span>ted EIR to the amortised cost o<span class=\"_ _0\"></span>f the asset. The calculation of interes<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gscc\">income does not rev<span class=\"_ _0\"></span>ert to a gross basis ev<span class=\"_ _0\"></span>en if the credit risk of the asset impro<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>. See note 1 m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gscd\">(vii). for further information on IFRS 9 s<span class=\"_ _0\"></span>tage classifications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsce\">When calculating the EIR, the Group es<span class=\"_ _0\"></span>timates cash flo<span class=\"_ _0\"></span>ws considering all contractual terms o<span class=\"_ _0\"></span>f </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gscf\">the instrumen<span class=\"_ _0\"></span>t and behavioural aspects (for e<span class=\"_ _0\"></span>xample, pr<span class=\"_ _0\"></span>epayment options) but not considering </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd0\">future credit losses<span class=\"_ _0\"></span>. The calculation of the EIR includes tr<span class=\"_ _0\"></span>ansaction costs and f<span class=\"_ _0\"></span>ees paid or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd1\">receive<span class=\"_ _0\"></span>d that are an integr<span class=\"_ _0\"></span>al part of the interes<span class=\"_ _0\"></span>t rate<span class=\"_ _0\"></span>, together with the discounts or premiums </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd2\">arising on the acquisition of loan portfolios<span class=\"_ _0\"></span>. T<span class=\"_ _0\"></span>ransaction cos<span class=\"_ _0\"></span>ts include incremen<span class=\"_ _0\"></span>tal costs that </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd3\">are directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _0\"></span>t.<span class=\"_ gsd4\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd5\">The Group monitor<span class=\"_ _0\"></span>s the actual cash flows f<span class=\"_ _0\"></span>or each portfolio and resets cash flo<span class=\"_ _0\"></span>ws on a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd6\">monthly basis<span class=\"_ _0\"></span>, discounted at the EIR to deriv<span class=\"_ _0\"></span>e a new carrying value<span class=\"_ _0\"></span>, with changes tak<span class=\"_ _0\"></span>en </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsd7\">to<span class=\"_ gs2a\"> </span>pro<span class=\"_ _0\"></span>fit or loss as interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gsd8\">The EIR is adjust<span class=\"_ _0\"></span>ed where there is a mov<span class=\"_ _0\"></span>ement in the expect<span class=\"_ _0\"></span>ed reference in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (Sterling </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gsd9\">Overnigh<span class=\"_ _0\"></span>t Index Aver<span class=\"_ _0\"></span>age (SONIA), synthetic London In<span class=\"_ _0\"></span>terbank Offered Rate (LIBOR) or base r<span class=\"_ _0\"></span>ate) </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls71 ws0 gsda\">affecting por<span class=\"_ _3\"></span>tfolios with a v<span class=\"_ _0\"></span>ariable interes<span class=\"_ _0\"></span>t rate which will impact futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>. The revised EIR is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls71 ws0 gsdb\">the rate which e<span class=\"_ _0\"></span>xactly discounts the r<span class=\"_ _0\"></span>evised cash flo<span class=\"_ _0\"></span>ws to the net carrying value o<span class=\"_ _0\"></span>f the loan por<span class=\"_ _3\"></span>tfolio<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsdc\">Inter<span class=\"_ _0\"></span>est income on inv<span class=\"_ _0\"></span>estment securities is included in in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>eceivable and similar income. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsdd\">Inter<span class=\"_ _0\"></span>est on derivativ<span class=\"_ _0\"></span>es is included in interes<span class=\"_ _0\"></span>t receivable and similar income or inter<span class=\"_ _0\"></span>est expense </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsde\">and similar charges f<span class=\"_ _0\"></span>ollowing the underlying instrumen<span class=\"_ _0\"></span>t it is hedging.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls71 ws0 gsdf\">Coupons paid on A<span class=\"_ _0\"></span>T1 securities are r<span class=\"_ _0\"></span>ecognised directly in equity in the period in which they are paid. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gse0\">g) <span class=\"_ _11c\"> </span>Fees and co<span class=\"_ _3\"></span>mmission<span class=\"_ _3\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse1\">Fees and commissions which are an inte<span class=\"_ _0\"></span>gral part of the EIR of a financial instrumen<span class=\"_ _0\"></span>t are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse2\">recognised as an adjus<span class=\"_ _0\"></span>tment to the EIR and recor<span class=\"_ _0\"></span>ded in interes<span class=\"_ _0\"></span>t income. The Group includes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse3\">early redemption char<span class=\"_ _0\"></span>ges within the EIR. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse4\">Fees received on mortgage adminis<span class=\"_ _0\"></span>tration services and mortgage origination activities, which </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse5\">are not an int<span class=\"_ _0\"></span>egral part of the EIR, are r<span class=\"_ _0\"></span>ecorded in other operating income and accoun<span class=\"_ _0\"></span>ted for </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse6\">in accordance with IFRS 15 R<span class=\"_ _0\"></span>evenue fr<span class=\"_ _0\"></span>om Contracts with Cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>, with income recognised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse7\">when the services are delivered and the bene<span class=\"_ _0\"></span>fits are trans<span class=\"_ _0\"></span>ferred to client<span class=\"_ _0\"></span>s and customer<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse8\">Other fees and commissions are r<span class=\"_ _0\"></span>ecognised on the accrual basis as ser<span class=\"_ _3\"></span>vices are pr<span class=\"_ _0\"></span>ovided or on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gse9\">the performance of a significant act, net o<span class=\"_ _0\"></span>f value added tax (V<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _3\"></span>) and similar taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws172 gseb\">h<span class=\"_ _0\"></span>) T<span class=\"_ _0\"></span>axation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsec\">Income tax comprises current and de<span class=\"_ _0\"></span>ferred tax<span class=\"_ _0\"></span>. It is recognised in pro<span class=\"_ _0\"></span>fit or loss, other </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsed\">comprehensive income (<span class=\"_ _0\"></span>OCI) or directly in equity, consist<span class=\"_ _0\"></span>ent with the recognition of items it </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsee\">relates to<span class=\"_ _0\"></span>. The Group recognises t<span class=\"_ _0\"></span>ax on coupons paid on A<span class=\"_ _0\"></span>T1 securities directly in profit or loss<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsef\">Deferre<span class=\"_ _0\"></span>d tax assets are recognise<span class=\"_ _0\"></span>d only to the extent that it is pr<span class=\"_ _0\"></span>obable that future taxable </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf0\">profit<span class=\"_ _0\"></span>s will be available to utilise the asset. The recognition of de<span class=\"_ _0\"></span>ferred tax asset is mainly </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf1\">dependent on the projections o<span class=\"_ _0\"></span>f future taxable pr<span class=\"_ _0\"></span>ofits and future re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sals of temporary </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf2\">differences. The curr<span class=\"_ _0\"></span>ent projections of futur<span class=\"_ _0\"></span>e taxable income indicate that the Group will </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf3\">be<span class=\"_ gs2a\"> </span>able to utilise its def<span class=\"_ _0\"></span>erred tax asset within the for<span class=\"_ _0\"></span>eseeable future.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf4\">Deferre<span class=\"_ _0\"></span>d tax liabilities are recognised f<span class=\"_ _0\"></span>or all taxable tempor<span class=\"_ _0\"></span>ary dif<span class=\"_ _3\"></span>ferences<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf5\">The Company and its tax<span class=\"_ _0\"></span>-paying UK subsidiaries are in a group paymen<span class=\"_ _0\"></span>t arrangement for </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf6\">corporation tax and sho<span class=\"_ _0\"></span>w a net corporation tax liability and de<span class=\"_ _0\"></span>ferred tax liability accor<span class=\"_ _0\"></span>dingly. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf7\">The Company and its UK subsidiaries are in the same V<span class=\"_ _0\"></span>A<span class=\"_ _2\"></span>T group.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws173 gsf8\">i) D<span class=\"_ _3\"></span>ivid<span class=\"_ _3\"></span>ends </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsf9\">Dividends are recognise<span class=\"_ _0\"></span>d in equity in the period in which they are paid or<span class=\"_ _0\"></span>, if earlier<span class=\"_ _2\"></span>, approve<span class=\"_ _0\"></span>d </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsfa\">by shareholder<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gsfb\">j) <span class=\"_ _b\"> </span>Cas<span class=\"_ _3\"></span>h and cash e<span class=\"_ _3\"></span>quivale<span class=\"_ _3\"></span>nts<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsfc\">For the purposes of the Consolidated St<span class=\"_ _0\"></span>atement of Cash Flo<span class=\"_ _0\"></span>ws, cash and cash e<span class=\"_ _0\"></span>quivalents </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsfd\">comprise cash, non-res<span class=\"_ _0\"></span>tricted balances with credit ins<span class=\"_ _0\"></span>titutions and highly liquid financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsfe\">assets with maturities of less than thr<span class=\"_ _0\"></span>ee months from date of acquisition, subject t<span class=\"_ _0\"></span>o </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gsff\">an insignificant risk of changes in their f<span class=\"_ _0\"></span>air value and are used by the Group in the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs100\">management<span class=\"_ gs2a\"> </span>of it<span class=\"_ _0\"></span>s shor<span class=\"_ _3\"></span>t-term commitment<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs101\">k) <span class=\"_ _f\"> </span>Prop<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ty, plant and eq<span class=\"_ _3\"></span>uipment<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs102\">Property, plant and equipment comprise fr<span class=\"_ _0\"></span>eehold land and buildings, major alter<span class=\"_ _0\"></span>ations </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs103\">to office premises, comput<span class=\"_ _0\"></span>er equipment and fixtures measur<span class=\"_ _0\"></span>ed at cost less accumulated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs104\">depreciation. These assets ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually, and if they are considered </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs105\">to<span class=\"_ gs2a\"> </span>be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs106\">Items of pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty, plant and equipmen<span class=\"_ _0\"></span>t are depreciated on a s<span class=\"_ _0\"></span>traight-line basis o<span class=\"_ _0\"></span>ver their </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs107\">estimat<span class=\"_ _0\"></span>ed useful economic lives as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs108\">Buildings <span class=\"_ _254\"> </span>50 years<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs109\">Fixtures &amp; fittings<span class=\"_ _0\"></span>, computer hardw<span class=\"_ _0\"></span>are and vehicles <span class=\"_ _255\"> </span>5 years<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs10a\">Le<span class=\"_ _0\"></span>asehold improvemen<span class=\"_ _0\"></span>ts <span class=\"_ _256\"> </span>Shorter of useful life or lease t<span class=\"_ _0\"></span>erm<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs10b\">For assets under cons<span class=\"_ _0\"></span>truction (dev<span class=\"_ _0\"></span>elopment assets), no depreciation is char<span class=\"_ _0\"></span>ged until the asset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs10c\">is available for use<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs10d\">Land, deemed t<span class=\"_ _0\"></span>o be 25% of purchase price of buildings<span class=\"_ _0\"></span>, is not depreciated. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs10f\">l) <span class=\"_ _b\"> </span>Intangible as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs110\">Purchased softw<span class=\"_ _0\"></span>are and costs dir<span class=\"_ _0\"></span>ectly associated with the dev<span class=\"_ _0\"></span>elopment of computer softw<span class=\"_ _0\"></span>are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs111\">are capitalise<span class=\"_ _0\"></span>d as intangible assets where the so<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>tw<span class=\"_ _0\"></span>are is a unique and identifiable asset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs112\">controlled by the Gr<span class=\"_ _0\"></span>oup and will generate future economic bene<span class=\"_ _0\"></span>fits. Cos<span class=\"_ _0\"></span>ts to est<span class=\"_ _0\"></span>ablish </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs113\">technological fe<span class=\"_ _0\"></span>asibility or to maintain exis<span class=\"_ _0\"></span>ting lev<span class=\"_ _0\"></span>els of performance are recognised as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs114\">an expense<span class=\"_ _0\"></span>. The Group only recognises int<span class=\"_ _0\"></span>ernally generated int<span class=\"_ _0\"></span>angible assets if all of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs115\">follo<span class=\"_ _0\"></span>wing<span class=\"_ gs2a\"> </span>conditions are met:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs116\">\u2022 <span class=\"_ _15\"> </span>an asset is being created that can be iden<span class=\"_ _0\"></span>tified after establishing the technical and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs117\">commercial feasibility o<span class=\"_ _0\"></span>f the resulting product;<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs118\">\u2022 <span class=\"_ _15\"> </span>it is probable that the asset create<span class=\"_ _0\"></span>d will generate future economic benefit<span class=\"_ _0\"></span>s; and<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs119\">\u2022 <span class=\"_ _15\"> </span>the developmen<span class=\"_ _0\"></span>t cost of the asset can be measur<span class=\"_ _0\"></span>ed reliably.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs11a\">Subsequent e<span class=\"_ _0\"></span>xpenditure on an internally gener<span class=\"_ _0\"></span>ated intangible asset, after its pur<span class=\"_ _0\"></span>chase </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs11b\">or completion, is recognised as an e<span class=\"_ _0\"></span>xpense in the period in which it is incurred. Where </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs11c\">no internally gener<span class=\"_ _0\"></span>ated intangible asset c<span class=\"_ _0\"></span>an be recognised, dev<span class=\"_ _0\"></span>elopment expenditure is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs11d\">recognised as an e<span class=\"_ _0\"></span>xpense in the period in which it is incurred.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs11e\">Software is on<span class=\"_ _0\"></span>ly recognised if:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs11f\">\u2022 <span class=\"_ _15\"> </span>The Group has the contrac<span class=\"_ _0\"></span>tual right to tak<span class=\"_ _0\"></span>e possession of the softw<span class=\"_ _0\"></span>are during the hosting </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs120\">period without significant penalty; and<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs121\">\u2022 <span class=\"_ _15\"> </span>It is feasible for the Group t<span class=\"_ _0\"></span>o run the software on its o<span class=\"_ _0\"></span>wn hardw<span class=\"_ _0\"></span>are or contrac<span class=\"_ _0\"></span>t with a par<span class=\"_ _3\"></span>ty </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs122\">unrelated t<span class=\"_ _0\"></span>o the supplier to host the softw<span class=\"_ _0\"></span>are.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs123\">The costs o<span class=\"_ _0\"></span>f configuring or customising supplier application so<span class=\"_ _0\"></span>ftware in a Softwar<span class=\"_ _0\"></span>e-as-a-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs124\">Service (SaaS) arrangement that is determined t<span class=\"_ _0\"></span>o be a ser<span class=\"_ _3\"></span>vice contr<span class=\"_ _0\"></span>act is recognised as an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs125\">expense or prepaymen<span class=\"_ _0\"></span>t. SaaS is an arrangement that pr<span class=\"_ _0\"></span>ovides the Group with the right t<span class=\"_ _0\"></span>o </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs126\">receive access t<span class=\"_ _0\"></span>o the supplier\u2019<span class=\"_ _0\"></span>s application softwar<span class=\"_ _0\"></span>e in the future which is treated as a service </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs127\">contr<span class=\"_ _0\"></span>act, rather than a softwar<span class=\"_ _0\"></span>e lease or the acquisition of a softwar<span class=\"_ _0\"></span>e intangible asset. Where </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs128\">the configuration and cus<span class=\"_ _0\"></span>tomisation services are not distinct fr<span class=\"_ _0\"></span>om the right to receive access </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs129\">to<span class=\"_ gs2a\"> </span>the softwar<span class=\"_ _0\"></span>e, then the cost<span class=\"_ _0\"></span>s are recognised as an e<span class=\"_ _0\"></span>xpense over the term o<span class=\"_ _0\"></span>f the arrangement. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs12a\">Intangible asset<span class=\"_ _0\"></span>s are revie<span class=\"_ _0\"></span>wed f<span class=\"_ _0\"></span>or impairment at least semi-annually, and if they ar<span class=\"_ _0\"></span>e considered </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs12b\">to be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>. Impairment losses </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs12c\">previously r<span class=\"_ _0\"></span>ecognised for intangible asset<span class=\"_ _0\"></span>s, other than goodwill, are r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sed when there has </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws6f gs12d\">been a change in the estimates use<span class=\"_ _0\"></span>d to determine the asset<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s recov<span class=\"_ _0\"></span>erable amount. An impairmen<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs12e\">loss rev<span class=\"_ _0\"></span>ersal is recognise<span class=\"_ _0\"></span>d in the Consolidated Statement o<span class=\"_ _0\"></span>f Comprehensive Income and the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs12f\">carrying amount of the asset is incr<span class=\"_ _0\"></span>eased to its reco<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>able amount.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs131\">Intangible asset<span class=\"_ _0\"></span>s are amortised on a straigh<span class=\"_ _0\"></span>t- line basis over their es<span class=\"_ _0\"></span>timated useful liv<span class=\"_ _0\"></span>es </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs132\">as<span class=\"_ gs2a\"> </span>follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs133\">Computer softwar<span class=\"_ _0\"></span>e <span class=\"_ _1e8\"> </span>5-<span class=\"_ _2\"></span>7 years<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs134\">Brand (included in Asset<span class=\"_ _0\"></span>s arising on Combination) <span class=\"_ _d9\"> </span>4 years<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs135\">Brok<span class=\"_ _0\"></span>er relationships (included in Asset<span class=\"_ _0\"></span>s arising on Combination) <span class=\"_ _187\"> </span>5 years<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs136\">For dev<span class=\"_ _0\"></span>elopment costs o<span class=\"_ _0\"></span>f assets that are under construc<span class=\"_ _0\"></span>tion, no amor<span class=\"_ _3\"></span>tisation is applied until </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs137\">the asset is available for use and is calculat<span class=\"_ _0\"></span>ed using a full month when available for use<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs138\">The Group re<span class=\"_ _0\"></span>views the amortisation period on an annual basis<span class=\"_ _0\"></span>. If the expected useful lif<span class=\"_ _0\"></span>e of an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs139\">asset is different from pr<span class=\"_ _0\"></span>evious assessments<span class=\"_ _0\"></span>, the amortisation period is changed accordingly. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls146 ws14e gs13a\">m<span class=\"_ _0\"></span>) <span class=\"_ _10\"> </span>Financial ins<span class=\"_ _3\"></span>truments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls132 ws174 gs13b\">i. Recognition<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs13c\">The Group initially recognises lo<span class=\"_ _0\"></span>ans and advances, deposits<span class=\"_ _0\"></span>, debt securities issued, senior </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs13d\">notes and subor<span class=\"_ _0\"></span>dinated liabilities on the date on which they are originated or ac<span class=\"_ _0\"></span>quired. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs13e\">All<span class=\"_ gs2a\"> </span>other financial instrumen<span class=\"_ _0\"></span>ts are accounted f<span class=\"_ _0\"></span>or on the trade date which is when the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs13f\">Group<span class=\"_ gs2a\"> </span>becomes a party to the contrac<span class=\"_ _0\"></span>tual provisions of the ins<span class=\"_ _0\"></span>trument. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs140\">For financial instrumen<span class=\"_ _0\"></span>ts classified as amortised cost or FV<span class=\"_ _0\"></span>OCI, the Group initially recognises </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs141\">financial assets and financial liabilities at fair v<span class=\"_ _0\"></span>alue plus transaction income or costs that ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs142\">directly attributable to it<span class=\"_ _0\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _0\"></span>truments classified as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs143\">amortised cost are subsequen<span class=\"_ _0\"></span>tly measured using the EIR method. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs144\">T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansaction costs directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial ins<span class=\"_ _0\"></span>trument </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs145\">at<span class=\"_ gs2a\"> </span>FV<span class=\"_ _3\"></span>TPL ar<span class=\"_ _0\"></span>e recognised in pro<span class=\"_ _0\"></span>fit or loss as incurred. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls108 ws175 gs146\">ii. Classification<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs147\">The Group classifies financial ins<span class=\"_ _0\"></span>truments based on the business model and the contr<span class=\"_ _0\"></span>actual </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs148\">cash flow char<span class=\"_ _0\"></span>acteris<span class=\"_ _0\"></span>tics of the financial instrument<span class=\"_ _0\"></span>s. In accordance with IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>, the Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs149\">classifies financial assets int<span class=\"_ _0\"></span>o one of three measurement c<span class=\"_ _0\"></span>ategories:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs14a\">\u2022 <span class=\"_ _15\"> </span>Amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t \u2013 assets in a business model to hold financial assets in or<span class=\"_ _0\"></span>der to collect </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs14b\">contr<span class=\"_ _0\"></span>actual cash flows<span class=\"_ _0\"></span>, where the contr<span class=\"_ _0\"></span>actual terms of the financial asset give rise on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs14c\">specified dates to cash flo<span class=\"_ _0\"></span>ws that are solely payment<span class=\"_ _0\"></span>s of principal and interes<span class=\"_ _0\"></span>t (SPPI) </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs14d\">on<span class=\"_ gs2a\"> </span>the<span class=\"_ gs2a\"> </span>principal amount outs<span class=\"_ _0\"></span>tanding. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs14e\">\u2022 <span class=\"_ _15\"> </span>FVOCI \u2013 assets held in a business model which collect<span class=\"_ _0\"></span>s contractual cash flo<span class=\"_ _0\"></span>ws and sells </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs14f\">financial assets<span class=\"_ _0\"></span>, where the contractual t<span class=\"_ _0\"></span>erms of the financial assets give rise on specified </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs150\">dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs151\">\u2022 <span class=\"_ _15\"> </span>FV<span class=\"_ _3\"></span>TPL \u2013 assets not me<span class=\"_ _0\"></span>asured at amortised cost or FV<span class=\"_ _0\"></span>OCI. The Group measures derivativ<span class=\"_ _0\"></span>es, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs152\">an acquired mortgage portfolio and some inv<span class=\"_ _0\"></span>estment securities under this c<span class=\"_ _0\"></span>ategory. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs153\">The Group reassesses it<span class=\"_ _0\"></span>s business models each reporting period.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs155\">The Group classifies non-derivativ<span class=\"_ _0\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls23 ws0 gs156\">The Group classifies certain financial instrumen<span class=\"_ _0\"></span>ts as equity where they meet the follo<span class=\"_ _0\"></span>wing conditions:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs157\">\u2022 <span class=\"_ _15\"> </span>the financial instrument includes no con<span class=\"_ _0\"></span>tractual obligation to deliv<span class=\"_ _0\"></span>er cash or another </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs158\">financial asset on potentially unf<span class=\"_ _0\"></span>avourable conditions;<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs159\">\u2022 <span class=\"_ _15\"> </span>the financial instrument is a non-deriv<span class=\"_ _0\"></span>ative that includes no contr<span class=\"_ _0\"></span>actual obligation for the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs15a\">issuer to deliver a v<span class=\"_ _0\"></span>ariable number of its own e<span class=\"_ _0\"></span>quity instruments; or<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs15b\">\u2022 <span class=\"_ _15\"> </span>the financial instrument is a deriv<span class=\"_ _0\"></span>ative that will be settled only by the issuer ex<span class=\"_ _0\"></span>changing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs15c\">a fixed amoun<span class=\"_ _0\"></span>t of cash or another financial asset for a fixe<span class=\"_ _0\"></span>d number of its own </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs15d\">equity<span class=\"_ gs2a\"> </span>instrumen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs15e\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s sources of debt funding ar<span class=\"_ _0\"></span>e deposits from ret<span class=\"_ _0\"></span>ail customer<span class=\"_ _0\"></span>s and credit institutions<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs15f\">including collateralise<span class=\"_ _0\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _2\"></span>erm </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs160\">Funding Scheme with additional incentives f<span class=\"_ _0\"></span>or SMEs (<span class=\"_ _3\"></span>TFSME), asset-back<span class=\"_ _0\"></span>ed loan notes issued </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs161\">through the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation pro<span class=\"_ _0\"></span>grammes, subor<span class=\"_ _0\"></span>dinated liabilities and senior notes<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs162\">Cash receive<span class=\"_ _0\"></span>d under the TFSME is recorded in amoun<span class=\"_ _0\"></span>ts ow<span class=\"_ _0\"></span>ed to credit ins<span class=\"_ _0\"></span>titutions. Financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs163\">liabilities, including T<span class=\"_ _0\"></span>ier 2 instruments<span class=\"_ _0\"></span>, are classified as such wher<span class=\"_ _0\"></span>e the terms allow no absolute </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs164\">discretion<span class=\"_ gs2a\"> </span>o<span class=\"_ _0\"></span>ver the payment of in<span class=\"_ _0\"></span>terest. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs165\">During the year equity financial ins<span class=\"_ _0\"></span>truments comprised own shar<span class=\"_ _0\"></span>es and A<span class=\"_ _0\"></span>T1 securities. A<span class=\"_ _2\"></span>T1 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs166\">securities are designated as equity ins<span class=\"_ _0\"></span>truments and r<span class=\"_ _0\"></span>ecognised at fair value on the date of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs167\">issuance in equity along with increment<span class=\"_ _0\"></span>al costs directly attribut<span class=\"_ _0\"></span>able to the issuance of equity </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs168\">instrumen<span class=\"_ _0\"></span>ts. Accor<span class=\"_ _0\"></span>dingly, the coupons paid on A<span class=\"_ _0\"></span>T1 securities are recognise<span class=\"_ _0\"></span>d directly in retained </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs169\">earnings when paid.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls10b ws176 gs16a\">iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs16b\">The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs16c\">is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs16d\">The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs16e\">the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs16f\">renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws6f gs170\">cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs171\">Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs172\">transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs173\">these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs174\">subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs175\">this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs176\">the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs177\">Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs178\">has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls11c ws177 gs17a\">iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs17b\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs17c\">Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs17d\">a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs17e\">course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs17f\">reports derivativ<span class=\"_ _0\"></span>es on a gross basis. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs180\">Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs181\">Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs182\">receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs183\">must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs184\">right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs185\">Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs186\">advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls108 ws105 gs187\">v<span class=\"_ _0\"></span>. <span class=\"_ _c\"> </span>Amor<span class=\"_ _3\"></span>tised cost measurement<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs188\">The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _0\"></span>t at which the financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs189\">asset or financial liability is measured at initial r<span class=\"_ _0\"></span>ecognition, less principal payments or receipts<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs18a\">plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _0\"></span>een </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs18b\">the initial amount recognise<span class=\"_ _0\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs18c\">of<span class=\"_ gs2a\"> </span>assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs18d\">vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs18e\">Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs18f\">orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs190\">in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs191\">When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs192\">in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs193\">asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs194\">on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs195\">Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs196\">If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs197\">maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs198\">The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs199\">financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs19a\">adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs19b\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs19c\">or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs19d\">data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs19f\">vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1a0\">The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. </div><div class=\"t m1 hb ff6 fs7 fcc sc0 ls0 ws0 gs1a1\">Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1a2\">The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1a3\">impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs1a4\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1a5\">credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs1a6\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1a7\">initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1a8\">initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs1a9\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1aa\">lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ab\">The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. </div><div class=\"t m1 hb ff6 fs7 fcc sc0 ls10a ws107 gs1ac\">Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ad\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ae\">risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1af\">tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b0\">The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b1\">The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b2\">payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b3\">For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b4\">discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b5\">recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b6\">the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b7\">is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b8\">the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1b9\">The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. </div><div class=\"t m1 hb ff6 fs7 fcc sc0 ls0 ws0 gs1ba\">IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls0 ws0 gs1bb\">Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws24 gs1bc\">The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1bd\">The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1be\">default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1bf\">and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1c0\">based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls0 ws0 gs1c2\">Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1c3\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1c4\">being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs1c5\">At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs1c6\">thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs1c7\">absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1c8\">triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1c9\">changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ca\">early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1cb\">due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1cc\">A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls0 ws0 gs1cd\">Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ce\">The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1cf\">an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d0\">currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d1\">\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d2\">\u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d3\">res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d4\">borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d5\">bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d6\">A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d7\">the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d8\">internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1d9\">2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls10a ws107 gs1da\">Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1db\">The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1dc\">changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1dd\">The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1de\">the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1df\">the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e0\">Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e1\">The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e2\">forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e3\">scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e4\">estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e6\">The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e7\">when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e8\">upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1e9\">actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ea\">The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1eb\">feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ec\">credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls0 ws0 gs1ed\">Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ee\">The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1ef\">loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f0\">The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f1\">maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f2\">For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f3\">and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls0 ws0 gs1f4\">Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f5\">Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f6\">to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f7\">allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1f8\">of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls13b ws13e gs1f9\">Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1fa\">Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs1fb\">there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1fc\">are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1fd\">will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs1fe\">follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls108 ws105 gs1ff\">Intercompany loans<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs200\">Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs201\">an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. </div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls10a ws107 gs202\">Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs203\">Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs204\">high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs205\">counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. </div><div class=\"t m1 h74 ff34 fs7 fcc sc0 ls164 ws178 gs206\">Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs207\">Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs208\">agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs209\">retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs20a\">share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs20b\">value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs20d\">n<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to custo<span class=\"_ _3\"></span>mers<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs20e\">Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s are predominan<span class=\"_ _0\"></span>tly mor<span class=\"_ _3\"></span>tgage loans and adv<span class=\"_ _0\"></span>ances to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs20f\">cust<span class=\"_ _0\"></span>omers with fixed or determinable paymen<span class=\"_ _0\"></span>ts that are not quoted in an ac<span class=\"_ _0\"></span>tive mark<span class=\"_ _0\"></span>et and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs210\">that the Group does not int<span class=\"_ _0\"></span>end to sell in the near term. They are initially recor<span class=\"_ _0\"></span>ded at fair value </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs211\">plus any directly attributable tr<span class=\"_ _0\"></span>ansaction costs and ar<span class=\"_ _0\"></span>e subsequently measured at amortised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs212\">cost using the EIR method, less impairmen<span class=\"_ _0\"></span>t losses. Where e<span class=\"_ _0\"></span>xposures are hedged by deriv<span class=\"_ _0\"></span>atives, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs213\">designated and qualifying as fair v<span class=\"_ _0\"></span>alue hedges, the fair v<span class=\"_ _0\"></span>alue adjustment for the he<span class=\"_ _0\"></span>dged risk </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs214\">to the carrying value o<span class=\"_ _0\"></span>f the hedged loans and advances is reported in fair v<span class=\"_ _0\"></span>alue adjustments </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs215\">for hedged asset<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs216\">Lo<span class=\"_ _0\"></span>ans and the related pro<span class=\"_ _0\"></span>vision are written off when there is a shortfall remaining after the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs217\">underlying security is sold. Subsequent reco<span class=\"_ _0\"></span>veries of amoun<span class=\"_ _0\"></span>ts previously written o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f are tak<span class=\"_ _0\"></span>en </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs218\">through pro<span class=\"_ _0\"></span>fit or loss.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs219\">Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s ov<span class=\"_ _0\"></span>er which the Group transfer<span class=\"_ _0\"></span>s its rights t<span class=\"_ _0\"></span>o the collateral </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs21a\">thereon to the BoE under the TFSME and Inde<span class=\"_ _0\"></span>x Long-<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>erm Repo (IL<span class=\"_ _0\"></span>TR) schemes are not </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs21b\">derecognised fr<span class=\"_ _0\"></span>om the Consolidated Statement o<span class=\"_ _0\"></span>f Financial Position, as the Group retains </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs21c\">subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership, including all cash flo<span class=\"_ _0\"></span>ws arising from the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs21d\">loans and advances and exposur<span class=\"_ _0\"></span>e to credit risk. The Gr<span class=\"_ _0\"></span>oup classifies TFSME and IL<span class=\"_ _2\"></span>TR as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs21e\">amortised cost under IFRS 9 Financial Ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs21f\">Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s include a small acquired mortgage portfolio where the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs220\">contr<span class=\"_ _0\"></span>actual cash flows include payment<span class=\"_ _0\"></span>s that are not SPPI and as such are measure<span class=\"_ _0\"></span>d at FV<span class=\"_ _3\"></span>TPL. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs221\">Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s include the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s asset finance lease lending. Finance </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs222\">leases are initially measur<span class=\"_ _0\"></span>ed at an amount equal to the net in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the lease, using the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs223\">inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e implicit in the finance lease. Direct cos<span class=\"_ _0\"></span>ts are included in the initial measur<span class=\"_ _0\"></span>ement </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs224\">of the net inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t in the lease and reduce the amount of income r<span class=\"_ _0\"></span>ecognised over the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs225\">lease term. Finance income is recognised o<span class=\"_ _0\"></span>ver the lease term, base<span class=\"_ _0\"></span>d on a pattern reflecting </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs226\">a<span class=\"_ gs2a\"> </span>constan<span class=\"_ _0\"></span>t periodic rate o<span class=\"_ _0\"></span>f return on the net inv<span class=\"_ _0\"></span>estment in the lease<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls109 ws106 gs227\">o<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs228\">Inv<span class=\"_ _0\"></span>estment securities include securities held for liquidity purposes (UK tr<span class=\"_ _0\"></span>easury bills, UK Gilts<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs229\">Cov<span class=\"_ _0\"></span>ered bonds and Residential Mortgage-Back<span class=\"_ _0\"></span>ed Securities (RMBS)). These assets ar<span class=\"_ _0\"></span>e non-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs22a\">derivatives that ar<span class=\"_ _0\"></span>e classified on an individual basis as amortised cost, FV<span class=\"_ _0\"></span>OCI or FV<span class=\"_ _3\"></span>TPL.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs22c\">p<span class=\"_ _0\"></span>) <span class=\"_ _11c\"> </span>Sale and repu<span class=\"_ _0\"></span>rchase agreements<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs22d\">Financial assets sold subject to r<span class=\"_ _0\"></span>epurchase agreements (r<span class=\"_ _0\"></span>epo) continue to be reco<span class=\"_ _0\"></span>gnised in the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs22e\">financial st<span class=\"_ _0\"></span>atements if they fail the der<span class=\"_ _0\"></span>ecognition criteria of IFRS 9 described in par<span class=\"_ _0\"></span>agraph m) iii </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs22f\">abov<span class=\"_ _0\"></span>e. The financial assets that are r<span class=\"_ _0\"></span>etained in the financial st<span class=\"_ _0\"></span>atements are r<span class=\"_ _0\"></span>eflected as loans </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs230\">and advances to cus<span class=\"_ _0\"></span>tomers or in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities and the counterparty liability is included </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls121 ws0 gs231\">in amounts o<span class=\"_ _0\"></span>wed to cr<span class=\"_ _0\"></span>edit institutions or other cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. Financial assets purchased under<span class=\"_ _0\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls121 ws0 gs232\">agreement<span class=\"_ _0\"></span>s to resell at a predetermine<span class=\"_ _0\"></span>d price where the transaction is financing in nature<span class=\"_ _0\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls121 ws0 gs233\">(rev<span class=\"_ _0\"></span>erse repo<span class=\"_ _0\"></span>) are accounted f<span class=\"_ _0\"></span>or as loans and advances to credit ins<span class=\"_ _0\"></span>titutions. The difference </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls121 ws0 gs234\">between the sale and r<span class=\"_ _0\"></span>epurchase price is treated as in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t and accrued over the life o<span class=\"_ _0\"></span>f the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls121 ws0 gs235\">agreement using the EIR method.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs236\">q) <span class=\"_ _11c\"> </span>Derivative f<span class=\"_ _3\"></span>inancial in<span class=\"_ _3\"></span>strument<span class=\"_ _3\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs237\">The Group uses derivativ<span class=\"_ _0\"></span>e financial instrument<span class=\"_ _0\"></span>s (interes<span class=\"_ _0\"></span>t rate s<span class=\"_ _0\"></span>waps) to manage its e<span class=\"_ _0\"></span>xposure </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs238\">to inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate risk. The Group does not hold or issue derivativ<span class=\"_ _0\"></span>e financial instrument<span class=\"_ _0\"></span>s for </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs239\">proprietary tr<span class=\"_ _0\"></span>ading.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs23a\">The Group also uses derivativ<span class=\"_ _0\"></span>es to hedge the inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e risk inherent in irre<span class=\"_ _0\"></span>vocable offers </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs23b\">to lend. This exposes the Gr<span class=\"_ _0\"></span>oup to movemen<span class=\"_ _0\"></span>ts in the fair value of deriv<span class=\"_ _0\"></span>atives until the loan </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs23c\">is<span class=\"_ gs2a\"> </span>dra<span class=\"_ _0\"></span>wn. The changes to fair value are r<span class=\"_ _0\"></span>ecognised in profit or loss in the period. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 lsfc wsfb gs23d\">r<span class=\"_ _0\"></span>) <span class=\"_ _146\"> </span>Hedge accounti<span class=\"_ _0\"></span>ng<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs23e\">The Group has chosen to con<span class=\"_ _0\"></span>tinue to apply the hedge accounting requir<span class=\"_ _0\"></span>ements of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs23f\">International Accoun<span class=\"_ _0\"></span>ting Standards (IA<span class=\"_ _0\"></span>S) 39 instead o<span class=\"_ _0\"></span>f the requirement<span class=\"_ _0\"></span>s in Chapter 6 of IFRS 9<span class=\"_ _2\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs240\">The Group uses fair v<span class=\"_ _0\"></span>alue hedge accounting for a portfolio hedge of int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs241\">The hedging str<span class=\"_ _0\"></span>ategy of the Gr<span class=\"_ _0\"></span>oup is divided into portfolio hedges<span class=\"_ _0\"></span>, where the hedged item is a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs242\">homogeneous portfolio of assets (mortgage lending) or liabilities (savings product<span class=\"_ _0\"></span>s), and micro </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs243\">hedges<span class=\"_ _0\"></span>, where the hedged item is a dis<span class=\"_ _0\"></span>tinctly identifiable asset or liability (debt issuance). The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs244\">Group applies fair v<span class=\"_ _0\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs245\">i. <span class=\"_ _18a\"> </span>Por<span class=\"_ _3\"></span>tfolio h<span class=\"_ _3\"></span>edge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs246\">Portfolio hedge accounting allo<span class=\"_ _0\"></span>ws for hedge effectiveness tes<span class=\"_ _0\"></span>ting and accounting ov<span class=\"_ _0\"></span>er an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs247\">entire portfolio o<span class=\"_ _0\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _0\"></span>air value portfolio hedge </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs248\">accounting to its fix<span class=\"_ _0\"></span>ed rate portfolio of mortgages and savings account<span class=\"_ _0\"></span>s. The hedged portfolio </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs249\">is analysed into r<span class=\"_ _0\"></span>epricing time periods based on expected r<span class=\"_ _0\"></span>epricing dates, utilising the Gr<span class=\"_ _0\"></span>oup </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs24a\">Assets and Liabilities Committee (AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>) approve<span class=\"_ _0\"></span>d prepayment curve. In<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate sw<span class=\"_ _0\"></span>aps are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs24b\">designated agains<span class=\"_ _0\"></span>t the repricing time periods to es<span class=\"_ _0\"></span>tablish the hedge relationship.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 lsfc wsfb gs24c\">ii. <span class=\"_ _9\"> </span>Micro hedges<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs24d\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s micro hedging s<span class=\"_ _0\"></span>trate<span class=\"_ _0\"></span>gy entails hedge accounting on an individual ins<span class=\"_ _0\"></span>trument-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs24e\">by-instrumen<span class=\"_ _0\"></span>t basis, which in some ins<span class=\"_ _0\"></span>tances may be implemented through partial term fair </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws5d gs24f\">value hedging where the ins<span class=\"_ _0\"></span>trument may be ex<span class=\"_ _0\"></span>ercised early. The Group applies f<span class=\"_ _0\"></span>air value micro </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs250\">hedge accounting to manage its e<span class=\"_ _0\"></span>xposure to the int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk arising from some of its fix<span class=\"_ _0\"></span>ed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs251\">rate deb<span class=\"_ _0\"></span>t issuances. Inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps ar<span class=\"_ _0\"></span>e assigned to specific issuances of fixed r<span class=\"_ _0\"></span>ate notes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs252\">with terms that closely align with the hedged item.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls10a ws107 gs254\">iii.<span class=\"_ _0\"></span> <span class=\"_ _14\"> </span>Hedge effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _0\"></span>eness<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs255\">Hedge effectiveness is calculat<span class=\"_ _0\"></span>ed as a percentage of the f<span class=\"_ _0\"></span>air value mov<span class=\"_ _0\"></span>ement of the inter<span class=\"_ _0\"></span>est </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs256\">rate s<span class=\"_ _0\"></span>wap agains<span class=\"_ _0\"></span>t the fair value mov<span class=\"_ _0\"></span>ement of the hedged it<span class=\"_ _0\"></span>em over the period t<span class=\"_ _0\"></span>ested. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs257\">The Group considers the f<span class=\"_ _0\"></span>ollowing as k<span class=\"_ _0\"></span>ey sources of he<span class=\"_ _0\"></span>dge inef<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>eness:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs258\">\u2022 <span class=\"_ _15\"> </span>the mismatch in maturity date of the sw<span class=\"_ _0\"></span>ap and hedged item, as s<span class=\"_ _0\"></span>waps with a given </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs259\">maturity date cov<span class=\"_ _0\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _0\"></span>oughout the month;<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs25a\">\u2022 <span class=\"_ _15\"> </span>the actual behaviour of the hedged item differing from expect<span class=\"_ _0\"></span>ations, such as early </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs25b\">repayment<span class=\"_ _0\"></span>s or withdraw<span class=\"_ _0\"></span>als and arrears;<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs25c\">\u2022 <span class=\"_ _15\"> </span>minimal movemen<span class=\"_ _0\"></span>ts in the yield curve leading to ineffectiveness where he<span class=\"_ _0\"></span>dge relationships </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs25d\">are sensitiv<span class=\"_ _0\"></span>e to small value changes; and<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs25e\">\u2022 <span class=\"_ _15\"> </span>the mismatch in the sw<span class=\"_ _0\"></span>ap interes<span class=\"_ _0\"></span>t rate and r<span class=\"_ _0\"></span>ate used to value the hedged it<span class=\"_ _0\"></span>em where the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs25f\">sw<span class=\"_ _0\"></span>ap rate is higher than the contr<span class=\"_ _0\"></span>actual rate o<span class=\"_ _0\"></span>f the hedged item. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs260\">Where there is an e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>e hedge relationship for fair value he<span class=\"_ _0\"></span>dges, the Group r<span class=\"_ _0\"></span>ecognises the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs261\">change in fair value o<span class=\"_ _0\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _0\"></span>e movemen<span class=\"_ _0\"></span>t in their </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs262\">value being sho<span class=\"_ _0\"></span>wn separately in the Consolidated St<span class=\"_ _0\"></span>atement of Financial Position as fair v<span class=\"_ _0\"></span>alue </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs263\">adjustmen<span class=\"_ _0\"></span>ts on hedged assets and liabilities<span class=\"_ _0\"></span>. The fair value changes of both the deriv<span class=\"_ _0\"></span>ative and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs264\">the hedge subst<span class=\"_ _0\"></span>antially offset each other to re<span class=\"_ _0\"></span>duce profit volatility.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs265\">The Group discontinues hedge accoun<span class=\"_ _0\"></span>ting when the derivative ceases through e<span class=\"_ _0\"></span>xpiry, when </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs266\">the derivative is c<span class=\"_ _0\"></span>ancelled or the underlying hedged item matures<span class=\"_ _0\"></span>, is sold or is repaid.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs267\">If a derivative no longer meet<span class=\"_ _0\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _0\"></span>t still </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs268\">effective<span class=\"_ _0\"></span>, including LIBOR-link<span class=\"_ _0\"></span>ed derivatives cancelled as a r<span class=\"_ _0\"></span>esult of Interbank Offered R<span class=\"_ _0\"></span>ate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs269\">(IBOR) ref<span class=\"_ _0\"></span>orms, the fair v<span class=\"_ _0\"></span>alue adjustment relating t<span class=\"_ _0\"></span>o the hedged assets or liabilities within the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs26a\">hedge relationship prior to the deriv<span class=\"_ _0\"></span>ative becoming ineffective or being cancelled r<span class=\"_ _0\"></span>emains on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs26b\">the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position and is amortised over the r<span class=\"_ _0\"></span>emaining life of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs26c\">the hedged assets or liabilities<span class=\"_ _0\"></span>. The rate o<span class=\"_ _0\"></span>f amor<span class=\"_ _3\"></span>tisation ov<span class=\"_ _0\"></span>er the remaining life is in line with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs26d\">expected income or cos<span class=\"_ _0\"></span>t generate<span class=\"_ _0\"></span>d from the hedged assets or liabilities<span class=\"_ _0\"></span>. Each reporting period, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs26e\">the expectation is compar<span class=\"_ _0\"></span>ed to actual with an accelerated run-o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f applied where the tw<span class=\"_ _0\"></span>o </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs26f\">diver<span class=\"_ _0\"></span>ge by more than set paramet<span class=\"_ _0\"></span>ers.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs270\">s<span class=\"_ _0\"></span>) <span class=\"_ _d\"> </span>Debit and cre<span class=\"_ _3\"></span>dit valuation adju<span class=\"_ _3\"></span>stments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs271\">The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A and CV<span class=\"_ _2\"></span>A are included in the fair value of deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts. The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs272\">based on the expecte<span class=\"_ _0\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs273\">entities def<span class=\"_ _0\"></span>aulting. The CV<span class=\"_ _0\"></span>A r<span class=\"_ _0\"></span>eflects the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s risk of the coun<span class=\"_ _0\"></span>terparty\u2019<span class=\"_ _0\"></span>s default. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs274\">The methodology is based on a s<span class=\"_ _0\"></span>tandard calculation, t<span class=\"_ _0\"></span>aking into account the credit </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs275\">rating o<span class=\"_ _0\"></span>f the swap count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty, time to maturity, the f<span class=\"_ _0\"></span>air value of the sw<span class=\"_ _0\"></span>ap and any </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs276\">collateral<span class=\"_ gs2a\"> </span>arr<span class=\"_ _0\"></span>angements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div>t) <span class=\"_ _d\"> </span>Pr<span class=\"_ _3\"></span>ovisions an<span class=\"_ _3\"></span>d contingent li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span>A provision is r<span class=\"_ _0\"></span>ecognised when there is a presen<span class=\"_ _0\"></span>t obligation as a result of a past e<span class=\"_ _0\"></span>vent, it is probable that the obligation will be settled and the amoun<span class=\"_ _0\"></span>t can be estimated r<span class=\"_ _0\"></span>eliably. Provisions include ECLs on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s undrawn loan commitment<span class=\"_ _0\"></span>s. Contingent liabilities ar<span class=\"_ _0\"></span>e possible obligations arising from past e<span class=\"_ _0\"></span>vents<span class=\"_ _0\"></span>, whose exis<span class=\"_ _0\"></span>tence will be confirmed only by uncertain future ev<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>, or present obligations arising from pas<span class=\"_ _0\"></span>t ev<span class=\"_ _0\"></span>ents which are either not probable or the amoun<span class=\"_ _0\"></span>t of the obligation cannot be reliably measur<span class=\"_ _0\"></span>ed. Contingent liabilities ar<span class=\"_ _0\"></span>e not recognised but disclosed. u<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Employee benefits<span class=\"_ _0\"></span> \u2013 defined contri<span class=\"_ _0\"></span>bution sch<span class=\"_ _0\"></span>eme<span class=\"_ _35a\"> </span>The Group contribut<span class=\"_ _0\"></span>es to defined contribution per<span class=\"_ _0\"></span>sonal pension plans or defined contribution retiremen<span class=\"_ _0\"></span>t benefit schemes for all qualifying employees who subscribe to the terms and conditions of the schemes<span class=\"_ _0\"></span>\u2019 policies<span class=\"_ _0\"></span>. Obligations for contributions to de<span class=\"_ _0\"></span>fined contribution pension arrangemen<span class=\"_ _0\"></span>ts are recognised as an expense in pro<span class=\"_ _0\"></span>fit or loss as incurred.<span class=\"_ _35a\"> </span>v)<span class=\"_ _0\"></span> <span class=\"_ _c\"> </span>Shar<span class=\"_ _0\"></span>e-based payments<span class=\"_ _35a\"> </span>Equity-settled share-based paymen<span class=\"_ _0\"></span>ts to employees pro<span class=\"_ _0\"></span>viding ser<span class=\"_ _3\"></span>vices are measur<span class=\"_ _0\"></span>ed at the fair value o<span class=\"_ _0\"></span>f the equity instruments at the gr<span class=\"_ _0\"></span>ant date in accor<span class=\"_ _0\"></span>dance with IFRS 2. The fair value ex<span class=\"_ _0\"></span>cludes the ef<span class=\"_ _3\"></span>fect of non-mark<span class=\"_ _0\"></span>et-base<span class=\"_ _0\"></span>d vesting conditions<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The cost o<span class=\"_ _0\"></span>f the awar<span class=\"_ _0\"></span>ds is charged on a s<span class=\"_ _0\"></span>traight-line basis to pr<span class=\"_ _0\"></span>ofit or loss (with a corresponding increase in the share-base<span class=\"_ _0\"></span>d payment reserve within equity) ov<span class=\"_ _0\"></span>er the ves<span class=\"_ _0\"></span>ting period in which the employees become entitled to the aw<span class=\"_ _0\"></span>ards<span class=\"_ _0\"></span>. The increase within the share-base<span class=\"_ _0\"></span>d payment reserve is reclassified t<span class=\"_ _0\"></span>o retained earnings upon e<span class=\"_ _0\"></span>xercise. The amount recognise<span class=\"_ _0\"></span>d as an expense for non-mark<span class=\"_ _0\"></span>et conditions and related service conditions is adjuste<span class=\"_ _0\"></span>d each reporting period to reflect the actual number o<span class=\"_ _0\"></span>f awar<span class=\"_ _0\"></span>ds expected to be met. The amount r<span class=\"_ _0\"></span>ecognised as an expense for aw<span class=\"_ _0\"></span>ards subject to mark<span class=\"_ _0\"></span>et conditions is based on the proportion that is expected t<span class=\"_ _0\"></span>o meet the condition as assessed at the grant date<span class=\"_ _0\"></span>. No adjustmen<span class=\"_ _0\"></span>t is made to the fair value of each a<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d calculated at gran<span class=\"_ _0\"></span>t date. Share-based payment<span class=\"_ _0\"></span>s that are not subject to further ves<span class=\"_ _0\"></span>ting conditions (i.e. the Def<span class=\"_ _0\"></span>erred Share Bonus Plan (DSBP) f<span class=\"_ _0\"></span>or senior managers) are e<span class=\"_ _0\"></span>xpensed in the year servic<span class=\"_ _3\"></span>es are r<span class=\"_ _0\"></span>eceived with a corresponding increase in e<span class=\"_ _0\"></span>quity.<span class=\"_ _35a\"> </span>Where the allo<span class=\"_ _0\"></span>wable cost o<span class=\"_ _0\"></span>f share-based options or aw<span class=\"_ _0\"></span>ards for tax purposes is gr<span class=\"_ _0\"></span>eater than the cost det<span class=\"_ _0\"></span>ermined in accordance with IFRS 2, the tax effect of the e<span class=\"_ _0\"></span>xcess is tak<span class=\"_ _0\"></span>en to the share-based payment reserve within equity. The t<span class=\"_ _0\"></span>ax ef<span class=\"_ _3\"></span>fect is r<span class=\"_ _0\"></span>eclassified to retained earnings upon v<span class=\"_ _0\"></span>esting. Employer\u2019<span class=\"_ _0\"></span>s national insur<span class=\"_ _0\"></span>ance is charged to pr<span class=\"_ _0\"></span>ofit or loss at the share price at the reporting date on the same service or vesting sche<span class=\"_ _0\"></span>dules as the underlying options and awar<span class=\"_ _0\"></span>ds. Own shares are r<span class=\"_ _0\"></span>ecorded at cost and deduc<span class=\"_ _0\"></span>ted from equity and repr<span class=\"_ _0\"></span>esent shares of OSB<span class=\"_ _0\"></span>G that are held by the EB<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>. w) L<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s leases are pr<span class=\"_ _0\"></span>edominantly for property leases where the Gr<span class=\"_ _0\"></span>oup is a lessee. At lease commencement date<span class=\"_ _0\"></span>, the Group recognises the right-o<span class=\"_ _0\"></span>f-use asset and lease liability on the st<span class=\"_ _0\"></span>atement of financial position, ex<span class=\"_ _0\"></span>cept for leases of lo<span class=\"_ _0\"></span>w-<span class=\"_ _0\"></span>value assets and short-term leases of 12 months or less ar<span class=\"_ _0\"></span>e recognised directly in pro<span class=\"_ _0\"></span>fit or loss on a straigh<span class=\"_ _0\"></span>t-line basis over the lease<span class=\"_ gs2a\"> </span>term.<span class=\"_ _35a\"> </span>Le<span class=\"_ _0\"></span>ase liability payments are recognise<span class=\"_ _0\"></span>d within financing activities in the Consolidated Statemen<span class=\"_ _0\"></span>t of Cash Flows<span class=\"_ _0\"></span>. The Group assesses the lik<span class=\"_ _0\"></span>ely impact of early t<span class=\"_ _0\"></span>erminations in recognising the right-of-use asset and lease liability where an option to t<span class=\"_ _0\"></span>erminate early exis<span class=\"_ _0\"></span>ts. For modifications that increase the length o<span class=\"_ _0\"></span>f a lease; the modified lease term is determine<span class=\"_ _0\"></span>d, and the lease liability remeasur<span class=\"_ _0\"></span>ed by discounting the revise<span class=\"_ _0\"></span>d lease payments using a re<span class=\"_ _0\"></span>vised discount r<span class=\"_ _0\"></span>ate, at the effective date o<span class=\"_ _0\"></span>f the lease modification; a corresponding adjus<span class=\"_ _0\"></span>tment is made to the right-o<span class=\"_ _0\"></span>f-use asset. Where modifications decrease the length of a le<span class=\"_ _0\"></span>ase, the lease liability and right-of-use asset ar<span class=\"_ _0\"></span>e reduced in proportion to the reduction in the le<span class=\"_ _0\"></span>ase term, with any gain or loss recognised in pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _35a\"> </span>x) <span class=\"_ _f\"> </span>A<span class=\"_ _3\"></span>doption of new s<span class=\"_ _3\"></span>tandards<span class=\"_ _35a\"> </span>Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d and adopte<span class=\"_ _3\"></span>d for the f<span class=\"_ _3\"></span>irst time in th<span class=\"_ _3\"></span>e year e<span class=\"_ _3\"></span>nded 31 D<span class=\"_ _3\"></span>ecemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing amendments to IFRS issued by the In<span class=\"_ _0\"></span>ternational Accounting Standar<span class=\"_ _0\"></span>ds Board (IASB) ar<span class=\"_ _0\"></span>e applicable for the firs<span class=\"_ _0\"></span>t time this year:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Non-current Liabilities with Cov<span class=\"_ _0\"></span>enants<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Classification of Liabilities as Current or Non-curr<span class=\"_ _0\"></span>ent<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Supplier Finance Arrangements<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Lease Liability in a Sale and L<span class=\"_ _0\"></span>easeback<span class=\"_ _35a\"> </span>None of the abov<span class=\"_ _0\"></span>e have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s financial statement<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Exemptions<span class=\"_ _35a\"> </span>The Group has applied the tempor<span class=\"_ _0\"></span>ary exception issue<span class=\"_ _0\"></span>d by IASB from the accounting requiremen<span class=\"_ _0\"></span>ts for deferr<span class=\"_ _0\"></span>ed taxes in IA<span class=\"_ _0\"></span>S 12 \u2018Income T<span class=\"_ _0\"></span>axes<span class=\"_ _2\"></span>\u2019. Accordingly, the Group neither recognises nor discloses information about de<span class=\"_ _0\"></span>ferred tax asset<span class=\"_ _0\"></span>s and liabilities related to Pillar 2 income taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d but not yet e<span class=\"_ _3\"></span>ffe<span class=\"_ _3\"></span>ctive whi<span class=\"_ _3\"></span>ch are applic<span class=\"_ _3\"></span>able to the G<span class=\"_ _3\"></span>roup In April 2024<span class=\"_ _0\"></span>, the IASB r<span class=\"_ _0\"></span>eleased IFRS 18 Present<span class=\"_ _0\"></span>ation and Disclosure in Financial Statemen<span class=\"_ _0\"></span>ts which is designed to giv<span class=\"_ _0\"></span>e more comparability betw<span class=\"_ _0\"></span>een entities in the presentation and classification of items within the income s<span class=\"_ _0\"></span>tatement and ar<span class=\"_ _0\"></span>ound management-defined performance measures<span class=\"_ _0\"></span>. The Group is currently assessing the impact<span class=\"_ _0\"></span>s of this standar<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>Certain other amendments to accounting s<span class=\"_ _0\"></span>tandards and in<span class=\"_ _0\"></span>terpretations that w<span class=\"_ _0\"></span>ere not effective on 31 December 2024 have not been early-adop<span class=\"_ _0\"></span>ted by the Group. The adoption of these amendments is not e<span class=\"_ _0\"></span>xpected to have a mat<span class=\"_ _0\"></span>erial impact on the financial statemen<span class=\"_ _0\"></span>ts of the Group in future periods<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-409": {
   "value": "a<span class=\"_ _0\"></span>) <span class=\"_ _11c\"> </span>B<span class=\"_ _3\"></span>asis of pr<span class=\"_ _3\"></span>eparation<span class=\"_ _35a\"> </span>The financial st<span class=\"_ _0\"></span>atements have been pr<span class=\"_ _0\"></span>epared in accordance with In<span class=\"_ _0\"></span>ternational Financial Reporting Standar<span class=\"_ _0\"></span>ds (IFRS) as adopted by the United Kingdom Endor<span class=\"_ _0\"></span>sement Board (UKEB) and interpr<span class=\"_ _0\"></span>etations issued by the IFRS Interpr<span class=\"_ _0\"></span>etations Committee (IFRS IC) and in conf<span class=\"_ _0\"></span>ormity with the requiremen<span class=\"_ _0\"></span>ts of the Companies Act 2006<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The financial st<span class=\"_ _0\"></span>atements have been pr<span class=\"_ _0\"></span>epared on a hist<span class=\"_ _0\"></span>orical cost basis<span class=\"_ _0\"></span>, as modified by the rev<span class=\"_ _0\"></span>aluation of inv<span class=\"_ _0\"></span>estment securities and derivativ<span class=\"_ _0\"></span>e contract<span class=\"_ _0\"></span>s and other financial assets held at<span class=\"_ gs2a\"> </span>fair value thr<span class=\"_ _0\"></span>ough profit or loss (FV<span class=\"_ _3\"></span>TPL) or FV<span class=\"_ _0\"></span>OCI (see note 1 m. (ii)).<span class=\"_ _35a\"> </span>The financial st<span class=\"_ _0\"></span>atements are pr<span class=\"_ _0\"></span>esented in pounds Sterling. All amoun<span class=\"_ _0\"></span>ts in the financial st<span class=\"_ _0\"></span>atements have been r<span class=\"_ _0\"></span>ounded to the neares<span class=\"_ _0\"></span>t \u00a30<span class=\"_ _0\"></span>.1m. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "The financial st<span class=\"_ _0\"></span>atements have been pr<span class=\"_ _0\"></span>epared in accordance with In<span class=\"_ _0\"></span>ternational Financial Reporting Standar<span class=\"_ _0\"></span>ds (IFRS) as adopted by the United Kingdom Endor<span class=\"_ _0\"></span>sement Board (UKEB) and interpr<span class=\"_ _0\"></span>etations issued by the IFRS Interpr<span class=\"_ _0\"></span>etations Committee (IFRS IC) and in conf<span class=\"_ _0\"></span>ormity with the requiremen<span class=\"_ _0\"></span>ts of the Companies Act 2006<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-18": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-501": {
   "value": "The financial st<span class=\"_ _0\"></span>atements are pr<span class=\"_ _0\"></span>esented in pounds Sterling. All amoun<span class=\"_ _0\"></span>ts in the financial st<span class=\"_ _0\"></span>atements have been r<span class=\"_ _0\"></span>ounded to the neares<span class=\"_ _0\"></span>t \u00a30<span class=\"_ _0\"></span>.1m. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-468": {
   "value": "The financial st<span class=\"_ _0\"></span>atements are pr<span class=\"_ _0\"></span>esented in pounds Sterling. All amoun<span class=\"_ _0\"></span>ts in the financial st<span class=\"_ _0\"></span>atements have been r<span class=\"_ _0\"></span>ounded to the neares<span class=\"_ _0\"></span>t \u00a30<span class=\"_ _0\"></span>.1m. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-410": {
   "value": "b<span class=\"_ _0\"></span>) <span class=\"_ _11c\"> </span>G<span class=\"_ _3\"></span>oing co<span class=\"_ _3\"></span>ncern<span class=\"_ _35a\"> </span>The Board undertak<span class=\"_ _0\"></span>es regular rigor<span class=\"_ _0\"></span>ous assessments of whether the Group is a going concern in light of curr<span class=\"_ _0\"></span>ent and potential futur<span class=\"_ _0\"></span>e economic conditions and all available information about future risk<span class=\"_ _0\"></span>s and uncertainties. In assessing whether the going concern basis is appropriate<span class=\"_ _0\"></span>, projections for the Group hav<span class=\"_ _0\"></span>e been prepared, co<span class=\"_ _0\"></span>vering its futur<span class=\"_ _0\"></span>e per<span class=\"_ _3\"></span>formance<span class=\"_ _0\"></span>, capital, and liquidity for a period in e<span class=\"_ _0\"></span>xcess of 12 months from the dat<span class=\"_ _0\"></span>e of approv<span class=\"_ _0\"></span>al of these financial stat<span class=\"_ _0\"></span>ements. These f<span class=\"_ _0\"></span>orecast<span class=\"_ _0\"></span>s have been subject to sensitivity tes<span class=\"_ _0\"></span>ts utilising a range of s<span class=\"_ _0\"></span>tress scenarios<span class=\"_ _0\"></span>, which have been compared to the lates<span class=\"_ _0\"></span>t economic scenarios provided by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s e<span class=\"_ _0\"></span>xternal economic advisors, as w<span class=\"_ _0\"></span>ell as rev<span class=\"_ _0\"></span>erse s<span class=\"_ _0\"></span>tress tes<span class=\"_ _0\"></span>ts. The assessments include the f<span class=\"_ _0\"></span>ollowing: \u2022 <span class=\"_ _15\"> </span>Financial and capital forecas<span class=\"_ _0\"></span>ts wer<span class=\"_ _0\"></span>e prepared utilising the lates<span class=\"_ _0\"></span>t economic forecas<span class=\"_ _0\"></span>ts provide<span class=\"_ _0\"></span>d by the Group\u2019<span class=\"_ _2\"></span>s external economic advisers<span class=\"_ _0\"></span>. Rev<span class=\"_ _0\"></span>erse s<span class=\"_ _0\"></span>tress test<span class=\"_ _0\"></span>s were run t<span class=\"_ _0\"></span>o identify combinations of adver<span class=\"_ _0\"></span>se movemen<span class=\"_ _0\"></span>ts in house prices and unemployment lev<span class=\"_ _0\"></span>els which would result in the Group br<span class=\"_ _0\"></span>eaching its minimum regulatory and t<span class=\"_ _0\"></span>otal loss-absorbing capital requiremen<span class=\"_ _0\"></span>ts. The r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>se stress t<span class=\"_ _0\"></span>esting also considered what macr<span class=\"_ _0\"></span>oeconomic scenarios would be r<span class=\"_ _0\"></span>equired for the Group t<span class=\"_ _0\"></span>o breach its int<span class=\"_ _0\"></span>erim 18% Minimum Requirement f<span class=\"_ _0\"></span>or own funds and Eligible Liabilities (MREL) requir<span class=\"_ _0\"></span>ement as of these dates<span class=\"_ _0\"></span>. The Director<span class=\"_ _0\"></span>s assessed the lik<span class=\"_ _0\"></span>elihood of those re<span class=\"_ _0\"></span>verse s<span class=\"_ _0\"></span>tress scenarios occurring within the next 12 months and concluded that the lik<span class=\"_ _0\"></span>elihood is remote<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>The latest liquidity and contingen<span class=\"_ _0\"></span>t liquidity positions and forecas<span class=\"_ _0\"></span>ts wer<span class=\"_ _0\"></span>e assessed against in<span class=\"_ _0\"></span>ternal combined str<span class=\"_ _0\"></span>ess scenarios with the Group maintaining sufficient liquidity throughout the going concern assessment period.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ws0\">The Group continues to assess and mature the resilience o<span class=\"_ _0\"></span>f its business operating model and </span>supporting infras<span class=\"_ _0\"></span>tructure in the context o<span class=\"_ _0\"></span>f the emerging economic, business and r<span class=\"_ _0\"></span>egulatory environmen<span class=\"_ _0\"></span>t. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Operational Resilience Self-<span class=\"_ _0\"></span>Assessment R<span class=\"_ _0\"></span>epor<span class=\"_ _3\"></span>t for 2<span class=\"_ _0\"></span>023 was revie<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>d and endorsed by the Group Risk Committee and appro<span class=\"_ _0\"></span>ved by the Boar<span class=\"_ _0\"></span>d in June 2024<span class=\"_ _0\"></span>. The Group is in the process o<span class=\"_ _0\"></span>f updating this for 2025 and has identifie<span class=\"_ _0\"></span>d no material changes to its conclusions<span class=\"_ _0\"></span>. Key ar<span class=\"_ _0\"></span>eas of focus include the pro<span class=\"_ _0\"></span>vision of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Important Business Services (IBSs) to minimise the impact of any service disruptions on the firm<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s cust<span class=\"_ _0\"></span>omers or the wider financial services industry, and validating the lev<span class=\"_ _0\"></span>els of resilience of the third parties that the Group depends upon for deliv<span class=\"_ _0\"></span>ery of its IBSs<span class=\"_ _0\"></span>. There wer<span class=\"_ _0\"></span>e no items identified that could threaten the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s viability over the going concern assessment time horiz<span class=\"_ _0\"></span>on.<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial projections demons<span class=\"_ _0\"></span>trate that the Gr<span class=\"_ _0\"></span>oup has suf<span class=\"_ _3\"></span>ficient capit<span class=\"_ _0\"></span>al and liquidity to continue to meet it<span class=\"_ _0\"></span>s regulatory capital r<span class=\"_ _0\"></span>equirements as set out by the Pruden<span class=\"_ _0\"></span>tial Regulation Authority (PR<span class=\"_ _0\"></span>A).<span class=\"_ _35a\"> </span>The Board has ther<span class=\"_ _0\"></span>efore concluded that the Group has sufficient resour<span class=\"_ _0\"></span>ces to continue in operational e<span class=\"_ _0\"></span>xistence for a period in e<span class=\"_ _0\"></span>xcess of 12 months fr<span class=\"_ _0\"></span>om the date of appro<span class=\"_ _0\"></span>val of these financial st<span class=\"_ _0\"></span>atements and, as a result, it is appr<span class=\"_ _0\"></span>opriate to prepare these consolidate<span class=\"_ _0\"></span>d financial st<span class=\"_ _0\"></span>atements on a going concern basis<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-536": {
   "value": "c<span class=\"_ _0\"></span>) <span class=\"_ _9\"> </span>B<span class=\"_ _3\"></span>asis of con<span class=\"_ _3\"></span>solidation<span class=\"_ _35a\"> </span>The Group accounts include the r<span class=\"_ _0\"></span>esults of OSB GROUP PL<span class=\"_ _2\"></span>C (the C<span class=\"_ _3\"></span>ompany) and all its subsidiary undertakings. Subsidiaries are those en<span class=\"_ _0\"></span>tities, including s<span class=\"_ _0\"></span>tructured entities<span class=\"_ _0\"></span>, over which the Group has contr<span class=\"_ _0\"></span>ol. The Group controls an en<span class=\"_ _0\"></span>tity when it is exposed, or has rights<span class=\"_ _0\"></span>, to<span class=\"_ gs2a\"> </span>variable r<span class=\"_ _0\"></span>eturns from its inv<span class=\"_ _0\"></span>olvement with the entity and has the ability t<span class=\"_ _0\"></span>o af<span class=\"_ _3\"></span>fect those returns through it<span class=\"_ _0\"></span>s pow<span class=\"_ _0\"></span>er over the in<span class=\"_ _0\"></span>vestee<span class=\"_ _0\"></span>. Judgement is applied in assessing the rele<span class=\"_ _0\"></span>vant fac<span class=\"_ _0\"></span>tors and conditions in totality when determining whether the Group con<span class=\"_ _0\"></span>trols an entity. Specifically, judgement is applied in assessing whether the Group has subs<span class=\"_ _0\"></span>tantive decision-making righ<span class=\"_ _0\"></span>ts over the r<span class=\"_ _0\"></span>elevant activities and whether it is ex<span class=\"_ _0\"></span>ercising pow<span class=\"_ _0\"></span>er as a principal or an agent.<span class=\"_ _35a\"> </span>The Group is not deemed to con<span class=\"_ _0\"></span>trol an entity when it ex<span class=\"_ _0\"></span>ercises pow<span class=\"_ _0\"></span>er ov<span class=\"_ _0\"></span>er an entity in an agency capacity. In determining whether the Group is ac<span class=\"_ _0\"></span>ting as an agent, the Director<span class=\"_ _0\"></span>s consider the ov<span class=\"_ _0\"></span>erall relationship betw<span class=\"_ _0\"></span>een the Group, the inv<span class=\"_ _0\"></span>estee and other parties to the arrangemen<span class=\"_ _0\"></span>t with respect to the follo<span class=\"_ _0\"></span>wing factors: (i) the scope o<span class=\"_ _0\"></span>f the Group\u2019<span class=\"_ _2\"></span>s decision-making<span class=\"_ _3\"></span> pow<span class=\"_ _0\"></span>er; (ii) the rights held by other parties; (iii) the remuner<span class=\"_ _0\"></span>ation to which the Group is entitled; and (iv) the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s e<span class=\"_ _0\"></span>xposure to variability of r<span class=\"_ _0\"></span>eturns. The determination o<span class=\"_ _0\"></span>f control is based on the current f<span class=\"_ _0\"></span>acts and circumst<span class=\"_ _0\"></span>ances and is continuously assessed. Where the Group does not r<span class=\"_ _0\"></span>etain a direct o<span class=\"_ _0\"></span>wnership inter<span class=\"_ _0\"></span>est in a securitisation entity, but the Director<span class=\"_ _0\"></span>s have determined that the Gr<span class=\"_ _0\"></span>oup controls those entities<span class=\"_ _0\"></span>, they are treate<span class=\"_ _0\"></span>d as subsidiaries and are consolidated. Con<span class=\"_ _0\"></span>trol is determined to e<span class=\"_ _0\"></span>xist if the Group has the po<span class=\"_ _0\"></span>wer to direct the activities of each en<span class=\"_ _0\"></span>tity (for ex<span class=\"_ _0\"></span>ample, managing the performance of the underlying mortgage assets and raising debt on those mortgage assets which is used t<span class=\"_ _0\"></span>o fund the Group) and, in addition to this<span class=\"_ _0\"></span>, the Group is exposed to a v<span class=\"_ _0\"></span>ariable return (for ex<span class=\"_ _0\"></span>ample, retaining the residual risk on the mortgage assets).<span class=\"_ _35a\"> </span>Securitisation structur<span class=\"_ _0\"></span>es that do not meet these criteria are not treat<span class=\"_ _0\"></span>ed as subsidiaries and are ex<span class=\"_ _0\"></span>cluded from the consolidated accounts<span class=\"_ _0\"></span>. The Group applies the net appro<span class=\"_ _0\"></span>ach in accounting for securitisation s<span class=\"_ _0\"></span>tructures where it retains an in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t in the securitisation, netting the loan notes held agains<span class=\"_ _0\"></span>t the deemed loan balance. Subsidiaries are fully consolidated fr<span class=\"_ _0\"></span>om the date on which control is tr<span class=\"_ _0\"></span>ansferred to the Gr<span class=\"_ _0\"></span>oup and are deconsolidated fr<span class=\"_ _0\"></span>om the date that control ceases<span class=\"_ _0\"></span>. Upon consolidation, intercompany transactions<span class=\"_ _0\"></span>, balances and unrealised gains on tr<span class=\"_ _0\"></span>ansactions are eliminated. Unre<span class=\"_ _0\"></span>alised losses are also eliminated unless the tr<span class=\"_ _0\"></span>ansaction provides e<span class=\"_ _0\"></span>vidence of impairment of the asset transf<span class=\"_ _0\"></span>erred. Accounting policies of subsidiaries hav<span class=\"_ _0\"></span>e been changed where necessary to ensure consistency, so f<span class=\"_ _0\"></span>ar as is possible, with the policies adopted by the Gr<span class=\"_ _0\"></span>oup. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s EB<span class=\"_ _0\"></span>T is controlled and recognised by the Company using the look<span class=\"_ _0\"></span>-through approach, i.<span class=\"_ _0\"></span>e. as if the EB<span class=\"_ _0\"></span>T is included within the accounts of the Company. In the Company\u2019<span class=\"_ _0\"></span>s financial s<span class=\"_ _0\"></span>tatement<span class=\"_ _0\"></span>s, inv<span class=\"_ _0\"></span>estment<span class=\"_ _0\"></span>s in subsidiary under<span class=\"_ _3\"></span>takings ar<span class=\"_ _0\"></span>e stated at cost less impairmen<span class=\"_ _0\"></span>t. A full list of the Company\u2019<span class=\"_ _2\"></span>s subsidiaries which are included in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements c<span class=\"_ _0\"></span>an be found in note 2 to the Company\u2019<span class=\"_ _2\"></span>s financial<span class=\"_ gs2a\"> </span>st<span class=\"_ _0\"></span>atements on page 260 t<span class=\"_ _0\"></span>o 262.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-411": {
   "value": "c<span class=\"_ _0\"></span>) <span class=\"_ _9\"> </span>B<span class=\"_ _3\"></span>asis of con<span class=\"_ _3\"></span>solidation<span class=\"_ _35a\"> </span>The Group accounts include the r<span class=\"_ _0\"></span>esults of OSB GROUP PL<span class=\"_ _2\"></span>C (the C<span class=\"_ _3\"></span>ompany) and all its subsidiary undertakings. Subsidiaries are those en<span class=\"_ _0\"></span>tities, including s<span class=\"_ _0\"></span>tructured entities<span class=\"_ _0\"></span>, over which the Group has contr<span class=\"_ _0\"></span>ol. The Group controls an en<span class=\"_ _0\"></span>tity when it is exposed, or has rights<span class=\"_ _0\"></span>, to<span class=\"_ gs2a\"> </span>variable r<span class=\"_ _0\"></span>eturns from its inv<span class=\"_ _0\"></span>olvement with the entity and has the ability t<span class=\"_ _0\"></span>o af<span class=\"_ _3\"></span>fect those returns through it<span class=\"_ _0\"></span>s pow<span class=\"_ _0\"></span>er over the in<span class=\"_ _0\"></span>vestee<span class=\"_ _0\"></span>. Judgement is applied in assessing the rele<span class=\"_ _0\"></span>vant fac<span class=\"_ _0\"></span>tors and conditions in totality when determining whether the Group con<span class=\"_ _0\"></span>trols an entity. Specifically, judgement is applied in assessing whether the Group has subs<span class=\"_ _0\"></span>tantive decision-making righ<span class=\"_ _0\"></span>ts over the r<span class=\"_ _0\"></span>elevant activities and whether it is ex<span class=\"_ _0\"></span>ercising pow<span class=\"_ _0\"></span>er as a principal or an agent.<span class=\"_ _35a\"> </span>The Group is not deemed to con<span class=\"_ _0\"></span>trol an entity when it ex<span class=\"_ _0\"></span>ercises pow<span class=\"_ _0\"></span>er ov<span class=\"_ _0\"></span>er an entity in an agency capacity. In determining whether the Group is ac<span class=\"_ _0\"></span>ting as an agent, the Director<span class=\"_ _0\"></span>s consider the ov<span class=\"_ _0\"></span>erall relationship betw<span class=\"_ _0\"></span>een the Group, the inv<span class=\"_ _0\"></span>estee and other parties to the arrangemen<span class=\"_ _0\"></span>t with respect to the follo<span class=\"_ _0\"></span>wing factors: (i) the scope o<span class=\"_ _0\"></span>f the Group\u2019<span class=\"_ _2\"></span>s decision-making<span class=\"_ _3\"></span> pow<span class=\"_ _0\"></span>er; (ii) the rights held by other parties; (iii) the remuner<span class=\"_ _0\"></span>ation to which the Group is entitled; and (iv) the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s e<span class=\"_ _0\"></span>xposure to variability of r<span class=\"_ _0\"></span>eturns. The determination o<span class=\"_ _0\"></span>f control is based on the current f<span class=\"_ _0\"></span>acts and circumst<span class=\"_ _0\"></span>ances and is continuously assessed. Where the Group does not r<span class=\"_ _0\"></span>etain a direct o<span class=\"_ _0\"></span>wnership inter<span class=\"_ _0\"></span>est in a securitisation entity, but the Director<span class=\"_ _0\"></span>s have determined that the Gr<span class=\"_ _0\"></span>oup controls those entities<span class=\"_ _0\"></span>, they are treate<span class=\"_ _0\"></span>d as subsidiaries and are consolidated. Con<span class=\"_ _0\"></span>trol is determined to e<span class=\"_ _0\"></span>xist if the Group has the po<span class=\"_ _0\"></span>wer to direct the activities of each en<span class=\"_ _0\"></span>tity (for ex<span class=\"_ _0\"></span>ample, managing the performance of the underlying mortgage assets and raising debt on those mortgage assets which is used t<span class=\"_ _0\"></span>o fund the Group) and, in addition to this<span class=\"_ _0\"></span>, the Group is exposed to a v<span class=\"_ _0\"></span>ariable return (for ex<span class=\"_ _0\"></span>ample, retaining the residual risk on the mortgage assets).<span class=\"_ _35a\"> </span> Securitisation structur<span class=\"_ _0\"></span>es that do not meet these criteria are not treat<span class=\"_ _0\"></span>ed as subsidiaries and are ex<span class=\"_ _0\"></span>cluded from the consolidated accounts<span class=\"_ _0\"></span>. The Group applies the net appro<span class=\"_ _0\"></span>ach in accounting for securitisation s<span class=\"_ _0\"></span>tructures where it retains an in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t in the securitisation, netting the loan notes held agains<span class=\"_ _0\"></span>t the deemed loan balance. Subsidiaries are fully consolidated fr<span class=\"_ _0\"></span>om the date on which control is tr<span class=\"_ _0\"></span>ansferred to the Gr<span class=\"_ _0\"></span>oup and are deconsolidated fr<span class=\"_ _0\"></span>om the date that control ceases<span class=\"_ _0\"></span>. Upon consolidation, intercompany transactions<span class=\"_ _0\"></span>, balances and unrealised gains on tr<span class=\"_ _0\"></span>ansactions are eliminated. Unre<span class=\"_ _0\"></span>alised losses are also eliminated unless the tr<span class=\"_ _0\"></span>ansaction provides e<span class=\"_ _0\"></span>vidence of impairment of the asset transf<span class=\"_ _0\"></span>erred. Accounting policies of subsidiaries hav<span class=\"_ _0\"></span>e been changed where necessary to ensure consistency, so f<span class=\"_ _0\"></span>ar as is possible, with the policies adopted by the Gr<span class=\"_ _0\"></span>oup. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s EB<span class=\"_ _0\"></span>T is controlled and recognised by the Company using the look<span class=\"_ _0\"></span>-through approach, i.<span class=\"_ _0\"></span>e. as if the EB<span class=\"_ _0\"></span>T is included within the accounts of the Company. In the Company\u2019<span class=\"_ _0\"></span>s financial s<span class=\"_ _0\"></span>tatement<span class=\"_ _0\"></span>s, inv<span class=\"_ _0\"></span>estment<span class=\"_ _0\"></span>s in subsidiary under<span class=\"_ _3\"></span>takings ar<span class=\"_ _0\"></span>e stated at cost less impairmen<span class=\"_ _0\"></span>t. A full list of the Company\u2019<span class=\"_ _2\"></span>s subsidiaries which are included in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements c<span class=\"_ _0\"></span>an be found in note 2 to the Company\u2019<span class=\"_ _2\"></span>s financial<span class=\"_ gs2a\"> </span>st<span class=\"_ _0\"></span>atements on page 260 t<span class=\"_ _0\"></span>o 262.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-519": {
   "value": "A full list of the Company\u2019<span class=\"_ _2\"></span>s subsidiaries which are included in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements c<span class=\"_ _0\"></span>an be found in note 2 to the Company\u2019<span class=\"_ _2\"></span>s financial<span class=\"_ gs2a\"> </span>st<span class=\"_ _0\"></span>atements on page 260 t<span class=\"_ _0\"></span>o 262.<span class=\"_ _35a\"> </span>Structur<span class=\"_ _3\"></span>ed entitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2024 were Can<span class=\"_ _0\"></span>terbury Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc, K<span class=\"_ _0\"></span>eys W<span class=\"_ _0\"></span>arehouse No<span class=\"_ _0\"></span>.1 Limit<span class=\"_ _0\"></span>ed, CMF 2024-1 plc and PMF 2024-1 plc<span class=\"_ _0\"></span>. These entities hold legal title to a pool of mortgages which ar<span class=\"_ _0\"></span>e used as a security for issued debt. The tr<span class=\"_ _0\"></span>ansfer of mortgages fails derecognition crit<span class=\"_ _0\"></span>eria because the Group retained the subor<span class=\"_ _0\"></span>dinated notes and r<span class=\"_ _0\"></span>esidual cer<span class=\"_ _3\"></span>tificates issued and as such did not tr<span class=\"_ _0\"></span>ansfer subst<span class=\"_ _0\"></span>antially the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the securitised mortgages<span class=\"_ _0\"></span>. Therefore<span class=\"_ _0\"></span>, the Group is expose<span class=\"_ _0\"></span>d to credit, inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate and other risks on the securitised mortgages<span class=\"_ _0\"></span>. Cash flows gener<span class=\"_ _0\"></span>ated from the s<span class=\"_ _0\"></span>tructured entities ar<span class=\"_ _0\"></span>e ring-fenced and ar<span class=\"_ _0\"></span>e used to pay interes<span class=\"_ _0\"></span>t and principal of the issued debt securities in a w<span class=\"_ _0\"></span>aterfall order accor<span class=\"_ _0\"></span>ding to the seniority of the bonds. The structur<span class=\"_ _0\"></span>ed entities are self-<span class=\"_ _0\"></span>funded and the Group is not contr<span class=\"_ _0\"></span>actually or constructively oblige<span class=\"_ _0\"></span>d<span class=\"_ _3\"></span> to pro<span class=\"_ _0\"></span>vide fur<span class=\"_ _3\"></span>ther liquidity or financial support. The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2023 were Can<span class=\"_ _0\"></span>terbury Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc and Keys W<span class=\"_ _2\"></span>arehouse No.<span class=\"_ _0\"></span>1 Limited.<span class=\"_ _35a\"> </span>Unc<span class=\"_ _3\"></span>onsolid<span class=\"_ _3\"></span>ated str<span class=\"_ _3\"></span>ucture<span class=\"_ _3\"></span>d entities<span class=\"_ _35a\"> </span>Structured en<span class=\"_ _0\"></span>tities, which w<span class=\"_ _0\"></span>ere sponsored by the Gr<span class=\"_ _0\"></span>oup include Char<span class=\"_ _3\"></span>ter Mortgage Funding 2018-1 plc<span class=\"_ _0\"></span>, Precise Mortgage Funding 2019-<span class=\"_ _0\"></span>1B plc, Precise Mortgage Funding 2020-<span class=\"_ _0\"></span>1B plc, PMF<span class=\"_ gs2a\"> </span>2024-2 plc and Roches<span class=\"_ _0\"></span>ter Financing No.<span class=\"_ _0\"></span>3 plc.<span class=\"_ _35a\"> </span>The structur<span class=\"_ _0\"></span>ed entities are considere<span class=\"_ _0\"></span>d sponsored by the Group if any of the f<span class=\"_ _0\"></span>ollowing conditions are met: \u2022 <span class=\"_ _15\"> </span>the Group had a k<span class=\"_ _0\"></span>ey role in est<span class=\"_ _0\"></span>ablishing the entity.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the Group transf<span class=\"_ _0\"></span>erred assets to the en<span class=\"_ _0\"></span>tity.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the entity\u2019<span class=\"_ _2\"></span>s name includes a reference to the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the Group provides guar<span class=\"_ _0\"></span>antees on the entity<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s performance.<span class=\"_ _35a\"> </span>These structur<span class=\"_ _0\"></span>ed entities are not consolidated by the Gr<span class=\"_ _0\"></span>oup, as the Group does not contr<span class=\"_ _0\"></span>ol the entities and is not expose<span class=\"_ _0\"></span>d to the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership from the securitised mortgages. The Group has no con<span class=\"_ _0\"></span>tractual arr<span class=\"_ _0\"></span>angements with the unconsolidated s<span class=\"_ _0\"></span>tructured entities other than the inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>ts disclosed in note 16 and servicing the structured en<span class=\"_ _0\"></span>tities<span class=\"_ _0\"></span>\u2019 mortgage portfolios. The Group has not pro<span class=\"_ _0\"></span>vided any support to the unconsolidated structur<span class=\"_ _0\"></span>ed entities list<span class=\"_ _0\"></span>ed and has no obligation or inten<span class=\"_ _0\"></span>tion to do so.<span class=\"_ _35a\"> </span>During 2024 the Group r<span class=\"_ _0\"></span>eceived \u00a38.<span class=\"_ _0\"></span>1m inter<span class=\"_ _0\"></span>est income (202<span class=\"_ _0\"></span>3: \u00a35.3m) and \u00a32.<span class=\"_ _0\"></span>1m servicing income (2023: \u00a32.<span class=\"_ _0\"></span>6m) from unconsolidated struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs7a3\">2. <span class=\"_ _11\"> </span>Inv<span class=\"_ _0\"></span>estments in subsidiaries and intercompany loans<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a4\">The Company holds an inves<span class=\"_ _0\"></span>tment in or<span class=\"_ _0\"></span>dinary shares of \u00a31,<span class=\"_ _0\"></span>45<span class=\"_ _0\"></span>2.1m (<span class=\"_ _0\"></span>2023: \u00a31,<span class=\"_ _0\"></span>445<span class=\"_ _0\"></span>.0m) and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a5\">in A<span class=\"_ _0\"></span>T1 securities of \u00a390<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m (2023: \u00a390<span class=\"_ _0\"></span>.0m) in its dir<span class=\"_ _0\"></span>ect subsidiary, OneSavings Bank plc </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a6\">(OSB). The Company also holds an in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in A<span class=\"_ _0\"></span>T1 securities of \u00a360<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m (2023: \u00a360<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m) </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a7\">in<span class=\"_ gs2a\"> </span>an indirect subsidiary, Charter Court Financial Ser<span class=\"_ _3\"></span>vices Limited. The inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t in shares </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a8\">and<span class=\"_ gs2a\"> </span>A<span class=\"_ _0\"></span>T1<span class=\"_ gs2a\"> </span>securities are c<span class=\"_ _0\"></span>arried at cost.<span class=\"_ _35a\"> </span></div><div class=\"gs7a9\"><table class=\"s wcfe h13f\" id=\"_2b77686d-60db-40ad-9344-52c8c60afda8\"><tr><td></td><td></td><td class=\"t m1 x1317 h21 y43f3 ff1 fs5 fc5 sc0 ls0 ws0\">Intercompany </td></tr><tr><td></td><td class=\"t m1 x84d h21 y43f4 ff1 fs5 fc5 sc0 ls0 ws0\">Inv<span class=\"_ _0\"></span>estment in </td><td class=\"t m1 x1318 h21 y43f4 ff1 fs5 fc5 sc0 ls0 ws0\">loans (payable)/ </td></tr><tr><td></td><td class=\"t m1 x1319 h21 y43f5 ff1 fs5 fc5 sc0 ls0 ws0\">subsidiaries<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e3 h21 y43f5 ff1 fs5 fc5 sc0 ls0 ws0\">receivable<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y43f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y43f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f94 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131a y3f94 wcff hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1,590.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131b y3f94 wd00 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">(0.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3d89 wd01 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions</div><div class=\"t m1 x125d h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ea y43f7 w8c8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131c y43f7 wd02 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">571<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8b wd03 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Repaymen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131d y3d8b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131e y3d8b wd04 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8d wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131f y3d8d wd05 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1,59<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1320 y3d8d wd06 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">5<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y43f8 wd01 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions</div><div class=\"t m1 x125d h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ea y3fd5 w983 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1321 y3fd5 wd07 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls21 ws20\">418<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43f9 wd03 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">Repaymen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1322 y3fe7 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x413 y3fe7 w230 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1b ws17\">(1<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1323 y3d5a wd08 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,602.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1324 y3d5a wd09 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">98<span class=\"_ _3\"></span>2.3<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs7aa\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Additions in investment in subsidiarie<span class=\"_ _3\"></span>s include \u00a37<span class=\"_ _0\"></span>.2m relating to share-based payme<span class=\"_ _3\"></span>nts (<span class=\"_ _0\"></span>2023: includ<span class=\"_ _3\"></span>es \u00a34.3m relating to </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs7ab\">share-based pay<span class=\"_ _0\"></span>ments)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs7ad\">The transactions with subsidiaries during the year comprise tr<span class=\"_ _0\"></span>ansactions with OSB which include </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7ae\">senior notes issuance of \u00a3400<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m, \u00a315.5m o<span class=\"_ _0\"></span>f accrued interes<span class=\"_ _0\"></span>t mov<span class=\"_ _0\"></span>ement on subordinated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7af\">liabilities and senior notes<span class=\"_ _0\"></span>. Repayments include \u00a30<span class=\"_ _0\"></span>.8m o<span class=\"_ _0\"></span>f share repurchase cos<span class=\"_ _0\"></span>ts and \u00a30<span class=\"_ _0\"></span>.8m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs7b0\">relates to t<span class=\"_ _0\"></span>ax funded by OSB (2023: The tr<span class=\"_ _0\"></span>ansactions with subsidiaries comprise a subordinated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b1\">liabilities issuance of \u00a3250m, a senior notes issuance o<span class=\"_ _0\"></span>f \u00a3300m, \u00a319<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6m of accrued interes<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b2\">mov<span class=\"_ _0\"></span>ement on subordinate<span class=\"_ _0\"></span>d liabilities and senior notes and \u00a31.7<span class=\"_ _0\"></span>m of cash r<span class=\"_ _0\"></span>eceived from issuing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs7b3\">shares under SA<span class=\"_ _0\"></span>YE. R<span class=\"_ _0\"></span>epayments include \u00a32.<span class=\"_ _2\"></span>4m of share repurchase cos<span class=\"_ _0\"></span>ts, issuance cos<span class=\"_ _0\"></span>t of \u00a31.6m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b4\">and \u00a31.3m on senior notes and subor<span class=\"_ _0\"></span>dinated liabilities respectively funded by O<span class=\"_ _0\"></span>SB).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b5\">Inv<span class=\"_ _0\"></span>estments in A<span class=\"_ _2\"></span>T1 securities are financial assets and inter<span class=\"_ _0\"></span>company loans are financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b6\">liabilities. In<span class=\"_ _0\"></span>tercompany loans are payable on demand and no in<span class=\"_ _0\"></span>terest is char<span class=\"_ _0\"></span>ged on these </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b7\">loans<span class=\"_ _0\"></span>. Intercompany loans receiv<span class=\"_ _0\"></span>able includes subordinated liabilities and senior notes issue<span class=\"_ _0\"></span>d </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b8\">by subsidiaries. The r<span class=\"_ _0\"></span>ates and other terms and conditions are same as the Company<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s external </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7b9\">issued senior notes and subor<span class=\"_ _0\"></span>dinated liabilities. For det<span class=\"_ _0\"></span>ails see note 34 Senior notes and note </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7ba\">35 Subordinate<span class=\"_ _0\"></span>d liabilities of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs7bb\">A list o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s direct and indir<span class=\"_ _0\"></span>ect subsidiaries as at 31 December 2024 is shown belo<span class=\"_ _0\"></span>w: </div><div class=\"gs7bc\"><table class=\"s wd0a h140\" id=\"_f75f7aca-ce26-4c7c-afd8-86ea0df3ba4e\"><tr><td class=\"c n x248 y43fa wd0b hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Direct investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1325 y43fa wd0c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1326 y43fa wd0d hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1327 y43fa wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wd0f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">One<span class=\"_ _3\"></span>Sav<span class=\"_ _3\"></span>ings Bank p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1328 y3d5a wd10 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage lendi<span class=\"_ _0\"></span>ng and deposit ta<span class=\"_ _0\"></span>king<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1329 y3d5a wd11 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e House<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132a y3d5a wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"gs7bd\"><table class=\"s wd13 h141\" id=\"_115523a0-9f11-4003-9138-9508568a47a4\"><tr><td class=\"c n x248 y43fb wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132b y43fb wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132c y43fb wd16 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132d y43fb wd17 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43fc wd18 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">5D Financ<span class=\"_ _3\"></span>e Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132e y43fc wd19 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage serv<span class=\"_ _3\"></span>icer and<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132f y43fc wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">R<span class=\"_ _3\"></span>eliance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1330 y43fc w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y43fd ff2 fs6 fc4 sc0 ls0 ws0\">Broa<span class=\"_ _3\"></span>dlands </td><td class=\"c n x7c7 y43fe wd1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration se<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>vices<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1331 y43fe wd1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Char<span class=\"_ _3\"></span>ter Cou<span class=\"_ _0\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1332 y43fe wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y43ff ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4400 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y4401 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y4401 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y4401 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4402 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>2 p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4403 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y4404 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y4404 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y4404 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4405 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>3 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4406 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y4407 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y4407 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y4407 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4408 ff2 fs6 fc4 sc0 ls2e ws2d\">N<span class=\"_ _3\"></span>o<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span> p<span class=\"_ _1\"></span>l<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4409 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y440a wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y440a wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y440a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y440b ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>5 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y440c ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _3\"></span>G </td><td class=\"c n x7c7 y440d wd20 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1335 y440d wd21 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1336 y440d w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y440e ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>gs Limited </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y440f ff2 fs6 fc4 sc0 ls0 ws0\">(formerly:<span class=\"_ gs2a\"> </span>Char<span class=\"_ _3\"></span>ter </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4410 ff2 fs6 fc4 sc0 ls0 ws0\">Cour<span class=\"_ _3\"></span>t Financi<span class=\"_ _3\"></span>al </td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y3d5a wd22 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Ser<span class=\"_ _3\"></span>vices Group<span class=\"_ _0\"></span> Plc)</div><div class=\"t m1 x1337 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td></tr></table></div><div class=\"gs644\"><table class=\"s wd23 h142\" id=\"_4bf76ad4-aab6-4a56-a5e7-4638d09ee038\"><tr><td class=\"c n x248 y4411 wd24 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1338 y4411 wd25 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132c y4411 wd26 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1339 y4411 wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4412 ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter Cour<span class=\"_ _3\"></span>t </td><td class=\"c n xc5a y4413 wc28 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending and<span class=\"_ _0\"></span> deposit taking<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133a y4413 wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133b y4413 wd27 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4414 ff2 fs6 fc4 sc0 ls0 ws0\">Financial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4415 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4416 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Mortgages </td><td class=\"t m1 x133c hf y4416 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration and </td><td class=\"c n x133d y4417 wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133e y4417 w9fb hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4418 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td class=\"t m1 x133c hf y4418 ff2 fs6 fc4 sc0 ls0 ws0\">analytical s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4419 w6dd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133f y4419 wd28 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Speci<span class=\"_ _3\"></span>al purpos<span class=\"_ _3\"></span>e vehicle<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1340 y4419 wd29 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Place<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1341 y4419 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y441a w6d5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1342 y441a wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1343 y441a wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1344 y441a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y441b w6d2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1345 y441b wd2b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">S<span class=\"_ _3\"></span>pecial p<span class=\"_ _3\"></span>urpos<span class=\"_ _3\"></span>e vehicle<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1346 y441b wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churc<span class=\"_ _3\"></span>hill Place<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1347 y441b w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y441c wc32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Easioption Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1348 y441c wc26 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Hol<span class=\"_ _3\"></span>ding comp<span class=\"_ _3\"></span>any<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1349 y441c wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134a y441c wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y441d ff2 fs6 fc4 sc0 lsc4 ws26\">Exact Mortgage </td><td class=\"c n xc5a y441e w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Group ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ice comp<span class=\"_ _3\"></span>any<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134b y441e wd2c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Char<span class=\"_ _3\"></span>ter<span class=\"_ _0\"></span> Cour<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134c y441e wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y441f ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>s Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4420 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey Home </td><td class=\"c n xc5a y4421 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4421 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134e y4421 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4422 ff2 fs6 fc4 sc0 ls0 ws0\">Loans<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4423 ff2 fs6 fc4 sc0 ls0 ws0\">Guern<span class=\"_ _3\"></span>sey Hom<span class=\"_ _3\"></span>e Loans </td><td class=\"c n xc5a y4424 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4424 wd2d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134f y4424 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4425 ff2 fs6 fc4 sc0 lsc4 ws26\">Limi<span class=\"_ _0\"></span>ted (Guernsey)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4426 ff2 fs6 fc4 sc0 lsc4 ws26\">Heritable<span class=\"_ _0\"></span> D<span class=\"_ _3\"></span>evelopmen<span class=\"_ _0\"></span>t </td><td class=\"c n xc5a y4427 wd2e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1350 y4427 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134c y4427 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4428 ff2 fs6 fc4 sc0 ls0 ws0\">Finance Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4429 wd2f hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Inter Bay Finan<span class=\"_ _3\"></span>cial I<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5a y442a wd30 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1351 y442a wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1352 y442a wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y442b ff2 fs6 fc4 sc0 ls68 ws14\">InterB<span class=\"_ _3\"></span>ay As<span class=\"_ _3\"></span>set </td><td class=\"c n xc5a y442c wd31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Asset finance a<span class=\"_ _0\"></span>nd mor<span class=\"_ _3\"></span>tgage<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1353 y442c wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1354 y442c wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y442d ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y442e wc3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay Fundin<span class=\"_ _3\"></span>g, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1355 y442e wc3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage ser<span class=\"_ _3\"></span>vicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1356 y442e wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1357 y442e wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y442f wc3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay ML, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1358 y442f wc45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage pr<span class=\"_ _0\"></span>ovider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1359 y442f wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">R<span class=\"_ _3\"></span>eliance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135a y442f w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4430 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me </td><td class=\"c n xc5a y4431 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4431 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134e y4431 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4432 ff2 fs6 fc4 sc0 ls0 ws0\">Loans<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4433 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me Loans </td><td class=\"c n xc5a y4434 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4434 w926 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Jersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135b y4434 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4435 ff2 fs6 fc4 sc0 ls0 ws0\">Limited (<span class=\"_ _0\"></span>J<span class=\"_ _3\"></span>ersey<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4436 ff2 fs6 fc4 sc0 ls0 ws0\">Keys Warehouse </td><td class=\"c n xc5a y4437 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135c y4437 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135d y4437 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4438 ff2 fs6 fc4 sc0 ls0 ws0\">No.<span class=\"_ _0\"></span>1<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4439 ff2 fs6 fc4 sc0 ls0 ws0\">OSB In<span class=\"_ _3\"></span>dia </td><td class=\"c n xc5a y443a wd32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Bac<span class=\"_ _3\"></span>k office proc<span class=\"_ _3\"></span>essing<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135e y443a w9f1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135f y443a wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y443b ff2 fs6 fc4 sc0 ls0 ws0\">Private<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table></div><table class=\"s wd13 h144\" id=\"_61f786fb-4463-4249-89ef-a2e4c57712b1\"><tr><td class=\"c n x248 y444d wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132b y444d wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132c y444d wd16 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132d y444d wd17 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y444e wd38 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">PMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1372 y444e wd1e hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purpo<span class=\"_ _3\"></span>se vehicl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1373 y444e wd1f hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Plac<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1374 y444e w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y444f ff2 fs6 fc4 sc0 ls0 ws0\">Pres<span class=\"_ _3\"></span>tige </td><td class=\"c n x7c7 y4450 wd39 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1375 y4450 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1376 y4450 wd1d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4451 ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4452 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Proper<span class=\"_ _3\"></span>ty </td><td class=\"c n x7c7 y4453 wc36 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1377 y4453 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1378 y4453 wd12 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4454 ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4455 ff2 fs6 fc4 sc0 ls68 ws14\">Roc<span class=\"_ _3\"></span>hes<span class=\"_ _3\"></span>ter </td><td class=\"c n x7c7 y4456 wc36 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1377 y4456 wd1a hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1378 y4456 wd12 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4457 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _3\"></span>s<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4458 ff2 fs6 fc4 sc0 ls0 ws0\">WSE B<span class=\"_ _3\"></span>ourton </td><td class=\"c n x7c7 y4459 wc4e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Land lea<span class=\"_ _3\"></span>se investme<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1379 y4459 wd3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">OS<span class=\"_ _3\"></span>B Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137a y4459 wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y445a ff2 fs6 fc4 sc0 ls0 ws0\">Road<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table>1. <span class=\"_ _14\"> </span>O<span class=\"_ _3\"></span>n 18 Mar<span class=\"_ _3\"></span>ch 2024 C<span class=\"_ _3\"></span>har<span class=\"_ _3\"></span>ter Co<span class=\"_ _3\"></span>ur<span class=\"_ _3\"></span>t Finan<span class=\"_ _3\"></span>cial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es G<span class=\"_ _3\"></span>roup Pl<span class=\"_ _3\"></span>c chan<span class=\"_ _3\"></span>ged i<span class=\"_ _3\"></span>ts nam<span class=\"_ _3\"></span>e to CCFS<span class=\"_ _3\"></span>G Hol<span class=\"_ _3\"></span>ding<span class=\"_ _3\"></span>s Limite<span class=\"_ _3\"></span>d.<span class=\"_ _35a\"> </span>A list o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s direct and indir<span class=\"_ _0\"></span>ect subsidiaries as at 31 December 2023 is shown below: <table class=\"s wd33 h143\" id=\"_674d314b-196e-417a-ab4b-6d21f7820997\"><tr><td class=\"c n x248 y443c wd0b hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Direct investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1360 y443c wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1361 y443c wd0d hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1362 y443c wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wd0f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">One<span class=\"_ _3\"></span>Sav<span class=\"_ _3\"></span>ings Bank p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1363 y3d5a wc2f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending<span class=\"_ _0\"></span> and deposit tak<span class=\"_ _0\"></span>ing<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1364 y3d5a wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1365 y3d5a wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr></table><table class=\"s wd34 h141\" id=\"_64f55536-f404-4c6b-88a6-fa31352345af\"><tr><td class=\"c n x248 y43fb wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1366 y43fb wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1367 y43fb wd35 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered offic<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1368 y43fb wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y443d wd18 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">5D Financ<span class=\"_ _3\"></span>e Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1369 y443d wd36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage servicer and provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119b y443d wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136a y443d w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y443e ff2 fs6 fc4 sc0 ls0 ws0\">Broa<span class=\"_ _3\"></span>dlands </td><td class=\"c n x136b y43fe wd1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration se<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>vices<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136c y43fe wd21 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136d y43fe wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y443f ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4440 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y4401 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y4401 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y4401 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4441 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>2 p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4442 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y4443 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y4443 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y4443 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4444 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>3 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4445 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y4407 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y4407 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y4407 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4446 ff2 fs6 fc4 sc0 ls2e ws2d\">N<span class=\"_ _3\"></span>o<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span> p<span class=\"_ _1\"></span>l<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4447 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y440a wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y440a wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y440a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4448 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>5 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4449 ff2 fs6 fc4 sc0 lsc4 ws26\">CCFSG Hold<span class=\"_ _0\"></span>ings </td><td class=\"c n x136b y440d wd20 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1370 y440d wd37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">C<span class=\"_ _0\"></span>har<span class=\"_ _3\"></span>ter Cou<span class=\"_ _0\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1371 y440d wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y444a ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"ls0 ws0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y444b ff2 fs6 fc4 sc0 ls0 ws0\">(formerly: Char<span class=\"_ _3\"></span>ter </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y444c ff2 fs6 fc4 sc0 ls0 ws0\">Cour<span class=\"_ _3\"></span>t Financi<span class=\"_ _3\"></span>al </td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y3d5a wd22 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Ser<span class=\"_ _3\"></span>vices Group<span class=\"_ _0\"></span> Plc)</div><div class=\"t m1 x1337 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td></tr></table><div class=\"gs644\"><table class=\"s wd3b h145\" id=\"_77089244-b2e0-4170-a50f-47bf19bf8769\"><tr><td class=\"c n x248 y445b wd24 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1366 y445b wd25 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1367 y445b wd3c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered offic<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1368 y445b wd3d hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y445c ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter Cour<span class=\"_ _3\"></span>t </td><td class=\"c n x137b y445d wc28 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending and<span class=\"_ _0\"></span> deposit taking<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137c y445d wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137d y445d wd1d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y445e ff2 fs6 fc4 sc0 ls0 ws0\">Financial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y445f ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4460 ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter </td><td class=\"t m1 x137e hf y4460 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration and </td><td class=\"c n x137f y4461 wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1380 y4461 wd27 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4462 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _3\"></span>s<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td class=\"t m1 x137e hf y4462 ff2 fs6 fc4 sc0 ls0 ws0\">analytical s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4463 w6dd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1381 y4463 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">S<span class=\"_ _3\"></span>pec<span class=\"_ _3\"></span>ial purpos<span class=\"_ _3\"></span>e vehicle<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1382 y4463 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Plac<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1383 y4463 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4464 w6d5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1384 y4464 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Sp<span class=\"_ _3\"></span>ecial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1385 y4464 wd3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1386 y4464 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4465 wc32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Easioption Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1387 y4465 wc26 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">H<span class=\"_ _3\"></span>olding c<span class=\"_ _3\"></span>ompany<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1388 y4465 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1389 y4465 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4466 ff2 fs6 fc4 sc0 lsc4 ws26\">Exact Mortgage </td><td class=\"c n x137b y4467 w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Group ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ice com<span class=\"_ _3\"></span>pany<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138a y4467 wd21 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138b y4467 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4468 ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>s Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4469 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey Home </td><td class=\"c n x137b y446a wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y446a wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138d y446a w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y446b ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y446c ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey Home </td><td class=\"c n x137b y3d2d wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y3d2d w922 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138e y3d2d w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y446d ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y446e ff2 fs6 fc4 sc0 lsc4 ws26\">(Guern<span class=\"_ _0\"></span>sey)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y446f ff2 fs6 fc4 sc0 ls0 ws0\">Heritab<span class=\"_ _3\"></span>le </td><td class=\"c n x137b y4470 wd2e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138f y4470 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1390 y4470 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4471 ff2 fs6 fc4 sc0 ls65 ws21\">Development </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4472 ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4429 wd2f h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Inter Bay Finan<span class=\"_ _3\"></span>cial I<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137b y4473 wd30 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1391 y4473 wd3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance Ho<span class=\"_ _3\"></span>use<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1392 y4473 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4474 ff2 fs6 fc4 sc0 ls68 ws14\">InterB<span class=\"_ _3\"></span>ay As<span class=\"_ _3\"></span>set </td><td class=\"c n x137b y442c wd31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Asset finance a<span class=\"_ _0\"></span>nd mor<span class=\"_ _3\"></span>tgage<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137c y442c wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1393 y442c wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4475 ff2 fs6 fc4 sc0 ls0 ws0\">Finance Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y442e wc3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay Fundin<span class=\"_ _3\"></span>g, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1363 y442e wd40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1394 y442e wd41 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e House<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1395 y442e wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y442f wc3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay ML, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1396 y442f wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1397 y442f wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Reli<span class=\"_ _3\"></span>ance Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1398 y442f wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4476 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me </td><td class=\"c n x137b y4477 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y4477 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138d y4477 w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4478 ff2 fs6 fc4 sc0 ls0 ws0\">Loans<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4479 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me Loans </td><td class=\"c n x137b y4434 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y4434 wd42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">J<span class=\"_ _3\"></span>ersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138d y4434 w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y447a ff2 fs6 fc4 sc0 ls0 ws0\">Limited (<span class=\"_ _0\"></span>J<span class=\"_ _3\"></span>ersey<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y447b ff2 fs6 fc4 sc0 lsc4 ws26\">Keys<span class=\"_ _0\"></span> War<span class=\"_ _0\"></span>ehouse<span class=\"ls0 ws0\"> </span></td><td class=\"c n x137b y4437 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1399 y4437 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139a y4437 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y447c ff2 fs6 fc4 sc0 ls0 ws0\">No.<span class=\"_ _0\"></span>1 Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y447d ff2 fs6 fc4 sc0 ls0 ws0\">OSB In<span class=\"_ _3\"></span>dia </td><td class=\"c n x137b y447e wd32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Bac<span class=\"_ _3\"></span>k office proc<span class=\"_ _3\"></span>essing<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139b y447e w9f1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139c y447e w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y447f ff2 fs6 fc4 sc0 ls0 ws0\">Private<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"gs5e4\"><table class=\"s wd34 h146\" id=\"_c73bae90-8e8a-4cf1-bcf4-9df4aa2d18db\"><tr><td class=\"c n x248 y4480 wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1366 y4480 wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1367 y4480 wd35 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered offic<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1368 y4480 wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4481 ff2 fs6 fc4 sc0 ls0 ws0\">Pres<span class=\"_ _3\"></span>tige </td><td class=\"c n x136b y4482 wd39 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139d y4482 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139e y4482 wd12 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4483 ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4484 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Proper<span class=\"_ _3\"></span>ty </td><td class=\"c n x136b y4453 wc36 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139f y4453 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a0 y4453 w9fb hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4485 ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4486 ff2 fs6 fc4 sc0 ls68 ws14\">Roc<span class=\"_ _3\"></span>hes<span class=\"_ _3\"></span>ter </td><td class=\"c n x136b y4487 wc36 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139f y4487 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a0 y4487 w9fb hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4488 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _3\"></span>s<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4489 ff2 fs6 fc4 sc0 ls0 ws0\">WSE B<span class=\"_ _3\"></span>ourton </td><td class=\"c n x136b y448a wc4e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Land lea<span class=\"_ _3\"></span>se investme<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a1 y448a wd43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">OSB Ho<span class=\"_ _3\"></span>use<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a2 y448a w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y448b ff2 fs6 fc4 sc0 ls0 ws0\">Road<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs7c7\">1. <span class=\"_ _14\"> </span>O<span class=\"_ _3\"></span>n 18 Mar<span class=\"_ _3\"></span>ch 2024 C<span class=\"_ _3\"></span>har<span class=\"_ _3\"></span>ter Co<span class=\"_ _3\"></span>ur<span class=\"_ _3\"></span>t Finan<span class=\"_ _3\"></span>cial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es G<span class=\"_ _3\"></span>roup Pl<span class=\"_ _3\"></span>c chan<span class=\"_ _3\"></span>ged i<span class=\"_ _3\"></span>ts nam<span class=\"_ _3\"></span>e to CCFS<span class=\"_ _3\"></span>G Hol<span class=\"_ _3\"></span>ding<span class=\"_ _3\"></span>s Limite<span class=\"_ _3\"></span>d.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7c8\">All inv<span class=\"_ _0\"></span>estments ar<span class=\"_ _0\"></span>e in the ordinary share capit<span class=\"_ _0\"></span>al of each subsidiary. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7c9\">OSB India Private Limit<span class=\"_ _0\"></span>ed is owned 7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.28% by OneSavings Bank plc, 29<span class=\"_ _2\"></span>.7<span class=\"_ _0\"></span>2% by Easioption </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7ca\">Limited and 0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>001% by Reliance Property Loans Limite<span class=\"_ _0\"></span>d. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7cb\">SPV<span class=\"_ _0\"></span>s which the Group controls ar<span class=\"_ _0\"></span>e treated as subsidiaries f<span class=\"_ _0\"></span>or accounting purposes. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7cc\">All of the entities lis<span class=\"_ _0\"></span>ted abov<span class=\"_ _0\"></span>e have been consolidated in<span class=\"_ _0\"></span>to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7cd\">st<span class=\"_ _0\"></span>atements<span class=\"_ _0\"></span>. The location of the entities lis<span class=\"_ _0\"></span>ted abov<span class=\"_ _0\"></span>e are disclosed in note 46 to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7ce\">consolidated financial s<span class=\"_ _0\"></span>tatements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7cf\">The inv<span class=\"_ _0\"></span>estment and in<span class=\"_ _0\"></span>tercompany receivables are r<span class=\"_ _0\"></span>evie<span class=\"_ _0\"></span>wed annually for indicat<span class=\"_ _0\"></span>ors of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d0\">impairment. If impairment indicat<span class=\"_ _0\"></span>ors are identifie<span class=\"_ _0\"></span>d an impairment revie<span class=\"_ _0\"></span>w of the inv<span class=\"_ _0\"></span>estment is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d1\">conducted which will quantify if the c<span class=\"_ _0\"></span>arrying value is in excess of the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount or an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d2\">impairment has occurred. In det<span class=\"_ _0\"></span>ermining recover<span class=\"_ _0\"></span>able amount, the fair v<span class=\"_ _0\"></span>alue less costs to sell </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d3\">and the value in use are assessed, with the v<span class=\"_ _0\"></span>alue in use being an estimate of the pr<span class=\"_ _0\"></span>esent value </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d4\">of future cash flo<span class=\"_ _0\"></span>ws generat<span class=\"_ _0\"></span>ed by the inves<span class=\"_ _0\"></span>tment. Impairment of in<span class=\"_ _0\"></span>tercompany receivables is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d5\">considered within the scope of IFR<span class=\"_ _0\"></span>S 9 for ECL.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d6\">The follo<span class=\"_ _0\"></span>wing are the regis<span class=\"_ _0\"></span>tered offices of the subsidiaries:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d7\">Charter Cour<span class=\"_ _3\"></span>t \u2013 2 Charter Court, Broadlands, W<span class=\"_ _0\"></span>olv<span class=\"_ _0\"></span>erhampton, WV10 6TD<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d8\">Churchill Place \u2013 5 Churchill Place<span class=\"_ _0\"></span>, 10th Floor<span class=\"_ _0\"></span>, London, E14 5HU </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7d9\">Guernsey \u2013 2nd Floor<span class=\"_ _0\"></span>, L<span class=\"_ _0\"></span>efeb<span class=\"_ _0\"></span>vre Place, L<span class=\"_ _0\"></span>efebvr<span class=\"_ _0\"></span>e Street, St Pet<span class=\"_ _0\"></span>er Por<span class=\"_ _3\"></span>t, Guernsey G<span class=\"_ _0\"></span>Y1 2JP<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs7da\">India \u2013 Salarpuria Magnificia No. 7<span class=\"_ _0\"></span>8, 9th &amp; 10th floor<span class=\"_ _0\"></span>, Old Madr<span class=\"_ _0\"></span>as Road, Bangalore<span class=\"_ _0\"></span>, India, 560016<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7db\">Jersey \u2013 2<span class=\"_ _0\"></span>6 New Str<span class=\"_ _0\"></span>eet, St Helier<span class=\"_ _0\"></span>, Jersey, JE2 3R<span class=\"_ _0\"></span>A<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7dc\">OSB House \u2013 Quayside<span class=\"_ _0\"></span>, Chatham Maritime, Chatham, England, ME4 4Q<span class=\"_ _0\"></span>Z<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7dd\">Reliance House \u2013 Reliance House<span class=\"_ _0\"></span>, Sun Pier<span class=\"_ _0\"></span>, Chatham, K<span class=\"_ _0\"></span>ent, ME4 4ET</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-531": {
   "value": "A full list of the Company\u2019<span class=\"_ _2\"></span>s subsidiaries which are included in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements c<span class=\"_ _0\"></span>an be found in note 2 to the Company\u2019<span class=\"_ _2\"></span>s financial<span class=\"_ gs2a\"> </span>st<span class=\"_ _0\"></span>atements on page 260 t<span class=\"_ _0\"></span>o 262.<span class=\"_ _35a\"> </span>2. <span class=\"_ _11\"> </span>Inv<span class=\"_ _0\"></span>estments in subsidiaries and intercompany loans<span class=\"_ _35a\"> </span>The Company holds an inves<span class=\"_ _0\"></span>tment in or<span class=\"_ _0\"></span>dinary shares of \u00a31,<span class=\"_ _0\"></span>45<span class=\"_ _0\"></span>2.1m (<span class=\"_ _0\"></span>2023: \u00a31,<span class=\"_ _0\"></span>445<span class=\"_ _0\"></span>.0m) and in A<span class=\"_ _0\"></span>T1 securities of \u00a390<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m (2023: \u00a390<span class=\"_ _0\"></span>.0m) in its dir<span class=\"_ _0\"></span>ect subsidiary, OneSavings Bank plc (OSB). The Company also holds an in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in A<span class=\"_ _0\"></span>T1 securities of \u00a360<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m (2023: \u00a360<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m) in<span class=\"_ gs2a\"> </span>an indirect subsidiary, Charter Court Financial Ser<span class=\"_ _3\"></span>vices Limited. The inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t in shares and<span class=\"_ gs2a\"> </span>A<span class=\"_ _0\"></span>T1<span class=\"_ gs2a\"> </span>securities are c<span class=\"_ _0\"></span>arried at cost.<span class=\"_ _35a\"> </span><table class=\"s wcfe h13f\" id=\"_2b77686d-60db-40ad-9344-52c8c60afda8\"><tr><td></td><td></td><td class=\"t m1 x1317 h21 y43f3 ff1 fs5 fc5 sc0 ls0 ws0\">Intercompany </td></tr><tr><td></td><td class=\"t m1 x84d h21 y43f4 ff1 fs5 fc5 sc0 ls0 ws0\">Inv<span class=\"_ _0\"></span>estment in </td><td class=\"t m1 x1318 h21 y43f4 ff1 fs5 fc5 sc0 ls0 ws0\">loans (payable)/ </td></tr><tr><td></td><td class=\"t m1 x1319 h21 y43f5 ff1 fs5 fc5 sc0 ls0 ws0\">subsidiaries<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e3 h21 y43f5 ff1 fs5 fc5 sc0 ls0 ws0\">receivable<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y43f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y43f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f94 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131a y3f94 wcff hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1,590.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131b y3f94 wd00 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">(0.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3d89 wd01 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions</div><div class=\"t m1 x125d h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ea y43f7 w8c8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131c y43f7 wd02 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">571<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8b wd03 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Repaymen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131d y3d8b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131e y3d8b wd04 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8d wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x131f y3d8d wd05 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1,59<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1320 y3d8d wd06 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">5<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y43f8 wd01 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions</div><div class=\"t m1 x125d h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ea y3fd5 w983 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1321 y3fd5 wd07 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls21 ws20\">418<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43f9 wd03 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">Repaymen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1322 y3fe7 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x413 y3fe7 w230 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1b ws17\">(1<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1323 y3d5a wd08 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,602.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1324 y3d5a wd09 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">98<span class=\"_ _3\"></span>2.3<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Additions in investment in subsidiarie<span class=\"_ _3\"></span>s include \u00a37<span class=\"_ _0\"></span>.2m relating to share-based payme<span class=\"_ _3\"></span>nts (<span class=\"_ _0\"></span>2023: includ<span class=\"_ _3\"></span>es \u00a34.3m relating to share-based pay<span class=\"_ _0\"></span>ments)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The transactions with subsidiaries during the year comprise tr<span class=\"_ _0\"></span>ansactions with OSB which include senior notes issuance of \u00a3400<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m, \u00a315.5m o<span class=\"_ _0\"></span>f accrued interes<span class=\"_ _0\"></span>t mov<span class=\"_ _0\"></span>ement on subordinated liabilities and senior notes<span class=\"_ _0\"></span>. Repayments include \u00a30<span class=\"_ _0\"></span>.8m o<span class=\"_ _0\"></span>f share repurchase cos<span class=\"_ _0\"></span>ts and \u00a30<span class=\"_ _0\"></span>.8m relates to t<span class=\"_ _0\"></span>ax funded by OSB (2023: The tr<span class=\"_ _0\"></span>ansactions with subsidiaries comprise a subordinated liabilities issuance of \u00a3250m, a senior notes issuance o<span class=\"_ _0\"></span>f \u00a3300m, \u00a319<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6m of accrued interes<span class=\"_ _0\"></span>t mov<span class=\"_ _0\"></span>ement on subordinate<span class=\"_ _0\"></span>d liabilities and senior notes and \u00a31.7<span class=\"_ _0\"></span>m of cash r<span class=\"_ _0\"></span>eceived from issuing shares under SA<span class=\"_ _0\"></span>YE. R<span class=\"_ _0\"></span>epayments include \u00a32.<span class=\"_ _2\"></span>4m of share repurchase cos<span class=\"_ _0\"></span>ts, issuance cos<span class=\"_ _0\"></span>t of \u00a31.6m and \u00a31.3m on senior notes and subor<span class=\"_ _0\"></span>dinated liabilities respectively funded by O<span class=\"_ _0\"></span>SB).<span class=\"_ _35a\"> </span>Inv<span class=\"_ _0\"></span>estments in A<span class=\"_ _2\"></span>T1 securities are financial assets and inter<span class=\"_ _0\"></span>company loans are financial liabilities. In<span class=\"_ _0\"></span>tercompany loans are payable on demand and no in<span class=\"_ _0\"></span>terest is char<span class=\"_ _0\"></span>ged on these loans<span class=\"_ _0\"></span>. Intercompany loans receiv<span class=\"_ _0\"></span>able includes subordinated liabilities and senior notes issue<span class=\"_ _0\"></span>d by subsidiaries. The r<span class=\"_ _0\"></span>ates and other terms and conditions are same as the Company<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s external issued senior notes and subor<span class=\"_ _0\"></span>dinated liabilities. For det<span class=\"_ _0\"></span>ails see note 34 Senior notes and note 35 Subordinate<span class=\"_ _0\"></span>d liabilities of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>A list o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s direct and indir<span class=\"_ _0\"></span>ect subsidiaries as at 31 December 2024 is shown belo<span class=\"_ _0\"></span>w: <table class=\"s wd0a h140\" id=\"_f75f7aca-ce26-4c7c-afd8-86ea0df3ba4e\"><tr><td class=\"c n x248 y43fa wd0b hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Direct investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1325 y43fa wd0c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1326 y43fa wd0d hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1327 y43fa wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wd0f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">One<span class=\"_ _3\"></span>Sav<span class=\"_ _3\"></span>ings Bank p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1328 y3d5a wd10 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage lendi<span class=\"_ _0\"></span>ng and deposit ta<span class=\"_ _0\"></span>king<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1329 y3d5a wd11 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e House<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132a y3d5a wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr></table><table class=\"s wd13 h141\" id=\"_115523a0-9f11-4003-9138-9508568a47a4\"><tr><td class=\"c n x248 y43fb wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132b y43fb wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132c y43fb wd16 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132d y43fb wd17 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43fc wd18 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">5D Financ<span class=\"_ _3\"></span>e Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132e y43fc wd19 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage serv<span class=\"_ _3\"></span>icer and<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132f y43fc wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">R<span class=\"_ _3\"></span>eliance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1330 y43fc w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y43fd ff2 fs6 fc4 sc0 ls0 ws0\">Broa<span class=\"_ _3\"></span>dlands </td><td class=\"c n x7c7 y43fe wd1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration se<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>vices<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1331 y43fe wd1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Char<span class=\"_ _3\"></span>ter Cou<span class=\"_ _0\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1332 y43fe wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y43ff ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4400 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y4401 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y4401 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y4401 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4402 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>2 p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4403 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y4404 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y4404 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y4404 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4405 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>3 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4406 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y4407 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y4407 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y4407 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4408 ff2 fs6 fc4 sc0 ls2e ws2d\">N<span class=\"_ _3\"></span>o<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span> p<span class=\"_ _1\"></span>l<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4409 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x7c7 y440a wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1333 y440a wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1334 y440a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y440b ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>5 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y440c ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _3\"></span>G </td><td class=\"c n x7c7 y440d wd20 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1335 y440d wd21 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1336 y440d w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y440e ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>gs Limited </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y440f ff2 fs6 fc4 sc0 ls0 ws0\">(formerly:<span class=\"_ gs2a\"> </span>Char<span class=\"_ _3\"></span>ter </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4410 ff2 fs6 fc4 sc0 ls0 ws0\">Cour<span class=\"_ _3\"></span>t Financi<span class=\"_ _3\"></span>al </td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y3d5a wd22 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Ser<span class=\"_ _3\"></span>vices Group<span class=\"_ _0\"></span> Plc)</div><div class=\"t m1 x1337 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td></tr></table><table class=\"s wd23 h142\" id=\"_4bf76ad4-aab6-4a56-a5e7-4638d09ee038\"><tr><td class=\"c n x248 y4411 wd24 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1338 y4411 wd25 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132c y4411 wd26 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1339 y4411 wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4412 ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter Cour<span class=\"_ _3\"></span>t </td><td class=\"c n xc5a y4413 wc28 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending and<span class=\"_ _0\"></span> deposit taking<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133a y4413 wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133b y4413 wd27 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4414 ff2 fs6 fc4 sc0 ls0 ws0\">Financial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4415 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4416 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Mortgages </td><td class=\"t m1 x133c hf y4416 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration and </td><td class=\"c n x133d y4417 wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133e y4417 w9fb hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4418 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td class=\"t m1 x133c hf y4418 ff2 fs6 fc4 sc0 ls0 ws0\">analytical s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4419 w6dd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x133f y4419 wd28 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Speci<span class=\"_ _3\"></span>al purpos<span class=\"_ _3\"></span>e vehicle<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1340 y4419 wd29 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Place<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1341 y4419 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y441a w6d5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1342 y441a wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1343 y441a wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1344 y441a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y441b w6d2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1345 y441b wd2b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">S<span class=\"_ _3\"></span>pecial p<span class=\"_ _3\"></span>urpos<span class=\"_ _3\"></span>e vehicle<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1346 y441b wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churc<span class=\"_ _3\"></span>hill Place<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1347 y441b w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y441c wc32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Easioption Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1348 y441c wc26 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Hol<span class=\"_ _3\"></span>ding comp<span class=\"_ _3\"></span>any<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1349 y441c wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134a y441c wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y441d ff2 fs6 fc4 sc0 lsc4 ws26\">Exact Mortgage </td><td class=\"c n xc5a y441e w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Group ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ice comp<span class=\"_ _3\"></span>any<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134b y441e wd2c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Char<span class=\"_ _3\"></span>ter<span class=\"_ _0\"></span> Cour<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134c y441e wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y441f ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>s Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4420 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey Home </td><td class=\"c n xc5a y4421 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4421 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134e y4421 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4422 ff2 fs6 fc4 sc0 ls0 ws0\">Loans<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4423 ff2 fs6 fc4 sc0 ls0 ws0\">Guern<span class=\"_ _3\"></span>sey Hom<span class=\"_ _3\"></span>e Loans </td><td class=\"c n xc5a y4424 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4424 wd2d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134f y4424 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4425 ff2 fs6 fc4 sc0 lsc4 ws26\">Limi<span class=\"_ _0\"></span>ted (Guernsey)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4426 ff2 fs6 fc4 sc0 lsc4 ws26\">Heritable<span class=\"_ _0\"></span> D<span class=\"_ _3\"></span>evelopmen<span class=\"_ _0\"></span>t </td><td class=\"c n xc5a y4427 wd2e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1350 y4427 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134c y4427 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4428 ff2 fs6 fc4 sc0 ls0 ws0\">Finance Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4429 wd2f hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Inter Bay Finan<span class=\"_ _3\"></span>cial I<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5a y442a wd30 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1351 y442a wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1352 y442a wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y442b ff2 fs6 fc4 sc0 ls68 ws14\">InterB<span class=\"_ _3\"></span>ay As<span class=\"_ _3\"></span>set </td><td class=\"c n xc5a y442c wd31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Asset finance a<span class=\"_ _0\"></span>nd mor<span class=\"_ _3\"></span>tgage<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1353 y442c wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1354 y442c wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y442d ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y442e wc3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay Fundin<span class=\"_ _3\"></span>g, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1355 y442e wc3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage ser<span class=\"_ _3\"></span>vicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1356 y442e wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1357 y442e wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y442f wc3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay ML, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1358 y442f wc45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage pr<span class=\"_ _0\"></span>ovider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1359 y442f wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">R<span class=\"_ _3\"></span>eliance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135a y442f w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4430 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me </td><td class=\"c n xc5a y4431 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4431 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134e y4431 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4432 ff2 fs6 fc4 sc0 ls0 ws0\">Loans<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4433 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me Loans </td><td class=\"c n xc5a y4434 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x134d y4434 w926 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Jersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135b y4434 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4435 ff2 fs6 fc4 sc0 ls0 ws0\">Limited (<span class=\"_ _0\"></span>J<span class=\"_ _3\"></span>ersey<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4436 ff2 fs6 fc4 sc0 ls0 ws0\">Keys Warehouse </td><td class=\"c n xc5a y4437 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135c y4437 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pla<span class=\"_ _3\"></span>ce<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135d y4437 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4438 ff2 fs6 fc4 sc0 ls0 ws0\">No.<span class=\"_ _0\"></span>1<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4439 ff2 fs6 fc4 sc0 ls0 ws0\">OSB In<span class=\"_ _3\"></span>dia </td><td class=\"c n xc5a y443a wd32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Bac<span class=\"_ _3\"></span>k office proc<span class=\"_ _3\"></span>essing<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135e y443a w9f1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x135f y443a wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y443b ff2 fs6 fc4 sc0 ls0 ws0\">Private<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table><div class=\"gs5e4\"><table class=\"s wd13 h144\" id=\"_61f786fb-4463-4249-89ef-a2e4c57712b1\"><tr><td class=\"c n x248 y444d wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132b y444d wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132c y444d wd16 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x132d y444d wd17 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y444e wd38 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">PMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1372 y444e wd1e hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purpo<span class=\"_ _3\"></span>se vehicl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1373 y444e wd1f hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Plac<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1374 y444e w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y444f ff2 fs6 fc4 sc0 ls0 ws0\">Pres<span class=\"_ _3\"></span>tige </td><td class=\"c n x7c7 y4450 wd39 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1375 y4450 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1376 y4450 wd1d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4451 ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4452 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Proper<span class=\"_ _3\"></span>ty </td><td class=\"c n x7c7 y4453 wc36 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1377 y4453 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1378 y4453 wd12 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4454 ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4455 ff2 fs6 fc4 sc0 ls68 ws14\">Roc<span class=\"_ _3\"></span>hes<span class=\"_ _3\"></span>ter </td><td class=\"c n x7c7 y4456 wc36 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1377 y4456 wd1a hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1378 y4456 wd12 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4457 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _3\"></span>s<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4458 ff2 fs6 fc4 sc0 ls0 ws0\">WSE B<span class=\"_ _3\"></span>ourton </td><td class=\"c n x7c7 y4459 wc4e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Land lea<span class=\"_ _3\"></span>se investme<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1379 y4459 wd3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">OS<span class=\"_ _3\"></span>B Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137a y4459 wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y445a ff2 fs6 fc4 sc0 ls0 ws0\">Road<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs7c0\">1. <span class=\"_ _14\"> </span>O<span class=\"_ _3\"></span>n 18 Mar<span class=\"_ _3\"></span>ch 2024 C<span class=\"_ _3\"></span>har<span class=\"_ _3\"></span>ter Co<span class=\"_ _3\"></span>ur<span class=\"_ _3\"></span>t Finan<span class=\"_ _3\"></span>cial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es G<span class=\"_ _3\"></span>roup Pl<span class=\"_ _3\"></span>c chan<span class=\"_ _3\"></span>ged i<span class=\"_ _3\"></span>ts nam<span class=\"_ _3\"></span>e to CCFS<span class=\"_ _3\"></span>G Hol<span class=\"_ _3\"></span>ding<span class=\"_ _3\"></span>s Limite<span class=\"_ _3\"></span>d.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7c1\">A list o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s direct and indir<span class=\"_ _0\"></span>ect subsidiaries as at 31 December 2023 is shown </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7c2\">below: </div><div class=\"gs7c3\"><table class=\"s wd33 h143\" id=\"_674d314b-196e-417a-ab4b-6d21f7820997\"><tr><td class=\"c n x248 y443c wd0b hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Direct investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1360 y443c wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1361 y443c wd0d hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered office<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1362 y443c wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wd0f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">One<span class=\"_ _3\"></span>Sav<span class=\"_ _3\"></span>ings Bank p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1363 y3d5a wc2f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending<span class=\"_ _0\"></span> and deposit tak<span class=\"_ _0\"></span>ing<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1364 y3d5a wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1365 y3d5a wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"gs7c4\"><table class=\"s wd34 h141\" id=\"_64f55536-f404-4c6b-88a6-fa31352345af\"><tr><td class=\"c n x248 y43fb wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1366 y43fb wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1367 y43fb wd35 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered offic<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1368 y43fb wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y443d wd18 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">5D Financ<span class=\"_ _3\"></span>e Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1369 y443d wd36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage servicer and provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119b y443d wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136a y443d w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y443e ff2 fs6 fc4 sc0 ls0 ws0\">Broa<span class=\"_ _3\"></span>dlands </td><td class=\"c n x136b y43fe wd1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration se<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>vices<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136c y43fe wd21 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136d y43fe wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y443f ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4440 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y4401 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y4401 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y4401 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4441 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>2 p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4442 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y4443 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y4443 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y4443 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4444 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>3 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4445 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y4407 wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y4407 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y4407 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4446 ff2 fs6 fc4 sc0 ls2e ws2d\">N<span class=\"_ _3\"></span>o<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span> p<span class=\"_ _1\"></span>l<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4447 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance </td><td class=\"c n x136b y440a wd1e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136e y440a wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x136f y440a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4448 ff2 fs6 fc4 sc0 lsde wsd8\">No.<span class=\"_ _3\"></span>5 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4449 ff2 fs6 fc4 sc0 lsc4 ws26\">CCFSG Hold<span class=\"_ _0\"></span>ings </td><td class=\"c n x136b y440d wd20 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1370 y440d wd37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">C<span class=\"_ _0\"></span>har<span class=\"_ _3\"></span>ter Cou<span class=\"_ _0\"></span>r<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1371 y440d wd12 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y444a ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"ls0 ws0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y444b ff2 fs6 fc4 sc0 ls0 ws0\">(formerly: Char<span class=\"_ _3\"></span>ter </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y444c ff2 fs6 fc4 sc0 ls0 ws0\">Cour<span class=\"_ _3\"></span>t Financi<span class=\"_ _3\"></span>al </td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y3d5a wd22 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Ser<span class=\"_ _3\"></span>vices Group<span class=\"_ _0\"></span> Plc)</div><div class=\"t m1 x1337 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td></tr></table></div><table class=\"s wd3b h145\" id=\"_77089244-b2e0-4170-a50f-47bf19bf8769\"><tr><td class=\"c n x248 y445b wd24 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1366 y445b wd25 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1367 y445b wd3c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered offic<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1368 y445b wd3d hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y445c ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter Cour<span class=\"_ _3\"></span>t </td><td class=\"c n x137b y445d wc28 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending and<span class=\"_ _0\"></span> deposit taking<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137c y445d wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137d y445d wd1d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y445e ff2 fs6 fc4 sc0 ls0 ws0\">Financial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y445f ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4460 ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter </td><td class=\"t m1 x137e hf y4460 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration and </td><td class=\"c n x137f y4461 wd21 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1380 y4461 wd27 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4462 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _3\"></span>s<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td class=\"t m1 x137e hf y4462 ff2 fs6 fc4 sc0 ls0 ws0\">analytical s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4463 w6dd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1381 y4463 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">S<span class=\"_ _3\"></span>pec<span class=\"_ _3\"></span>ial purpos<span class=\"_ _3\"></span>e vehicle<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1382 y4463 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Plac<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1383 y4463 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4464 w6d5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1384 y4464 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Sp<span class=\"_ _3\"></span>ecial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1385 y4464 wd3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1386 y4464 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4465 wc32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Easioption Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1387 y4465 wc26 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">H<span class=\"_ _3\"></span>olding c<span class=\"_ _3\"></span>ompany<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1388 y4465 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1389 y4465 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4466 ff2 fs6 fc4 sc0 lsc4 ws26\">Exact Mortgage </td><td class=\"c n x137b y4467 w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Group ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ice com<span class=\"_ _3\"></span>pany<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138a y4467 wd21 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Court<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138b y4467 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4468 ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>s Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4469 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey Home </td><td class=\"c n x137b y446a wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y446a wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138d y446a w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y446b ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y446c ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey Home </td><td class=\"c n x137b y3d2d wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y3d2d w922 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138e y3d2d w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y446d ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y446e ff2 fs6 fc4 sc0 lsc4 ws26\">(Guern<span class=\"_ _0\"></span>sey)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y446f ff2 fs6 fc4 sc0 ls0 ws0\">Heritab<span class=\"_ _3\"></span>le </td><td class=\"c n x137b y4470 wd2e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138f y4470 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1390 y4470 wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4471 ff2 fs6 fc4 sc0 ls65 ws21\">Development </td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4472 ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4429 wd2f h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Inter Bay Finan<span class=\"_ _3\"></span>cial I<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137b y4473 wd30 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Holdin<span class=\"_ _3\"></span>g company<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1391 y4473 wd3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance Ho<span class=\"_ _3\"></span>use<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1392 y4473 wd1d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4474 ff2 fs6 fc4 sc0 ls68 ws14\">InterB<span class=\"_ _3\"></span>ay As<span class=\"_ _3\"></span>set </td><td class=\"c n x137b y442c wd31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Asset finance a<span class=\"_ _0\"></span>nd mor<span class=\"_ _3\"></span>tgage<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x137c y442c wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relian<span class=\"_ _3\"></span>ce Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1393 y442c wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4475 ff2 fs6 fc4 sc0 ls0 ws0\">Finance Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y442e wc3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay Fundin<span class=\"_ _3\"></span>g, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1363 y442e wd40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1394 y442e wd41 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e House<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1395 y442e wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y442f wc3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay ML, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1396 y442f wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1397 y442f wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Reli<span class=\"_ _3\"></span>ance Hou<span class=\"_ _3\"></span>se<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1398 y442f wd27 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4476 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me </td><td class=\"c n x137b y4477 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y4477 wd1a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138d y4477 w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4478 ff2 fs6 fc4 sc0 ls0 ws0\">Loans<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4479 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me Loans </td><td class=\"c n x137b y4434 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138c y4434 wd42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">J<span class=\"_ _3\"></span>ersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x138d y4434 w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y447a ff2 fs6 fc4 sc0 ls0 ws0\">Limited (<span class=\"_ _0\"></span>J<span class=\"_ _3\"></span>ersey<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y447b ff2 fs6 fc4 sc0 lsc4 ws26\">Keys<span class=\"_ _0\"></span> War<span class=\"_ _0\"></span>ehouse<span class=\"ls0 ws0\"> </span></td><td class=\"c n x137b y4437 wd2a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>le<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1399 y4437 wd1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Churchill Pl<span class=\"_ _3\"></span>ace<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139a y4437 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y447c ff2 fs6 fc4 sc0 ls0 ws0\">No.<span class=\"_ _0\"></span>1 Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y447d ff2 fs6 fc4 sc0 ls0 ws0\">OSB In<span class=\"_ _3\"></span>dia </td><td class=\"c n x137b y447e wd32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Bac<span class=\"_ _3\"></span>k office proc<span class=\"_ _3\"></span>essing<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139b y447e w9f1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139c y447e w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y447f ff2 fs6 fc4 sc0 ls0 ws0\">Private<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table><table class=\"s wd34 h146\" id=\"_c73bae90-8e8a-4cf1-bcf4-9df4aa2d18db\"><tr><td class=\"c n x248 y4480 wd14 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Indirect investmen<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1366 y4480 wd15 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1367 y4480 wd35 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Registered offic<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1368 y4480 wd0e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Ownership<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4481 ff2 fs6 fc4 sc0 ls0 ws0\">Pres<span class=\"_ _3\"></span>tige </td><td class=\"c n x136b y4482 wd39 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage originat<span class=\"_ _0\"></span>or and servicer<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139d y4482 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Hous<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139e y4482 wd12 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">10<span class=\"_ _3\"></span>0%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4483 ff2 fs6 fc4 sc0 ls0 ws0\">Finance<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4484 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Proper<span class=\"_ _3\"></span>ty </td><td class=\"c n x136b y4453 wc36 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139f y4453 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a0 y4453 w9fb hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4485 ff2 fs6 fc4 sc0 ls0 ws0\">Loans Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4486 ff2 fs6 fc4 sc0 ls68 ws14\">Roc<span class=\"_ _3\"></span>hes<span class=\"_ _3\"></span>ter </td><td class=\"c n x136b y4487 wc36 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td><td class=\"c n x139f y4487 wd1a hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Re<span class=\"_ _3\"></span>liance H<span class=\"_ _3\"></span>ouse<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a0 y4487 w9fb hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4488 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _3\"></span>s<span class=\"_ gs2a\"> </span>Limited<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4489 ff2 fs6 fc4 sc0 ls0 ws0\">WSE B<span class=\"_ _3\"></span>ourton </td><td class=\"c n x136b y448a wc4e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Land lea<span class=\"_ _3\"></span>se investme<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a1 y448a wd43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">OSB Ho<span class=\"_ _3\"></span>use<span class=\"_ _35a\"> </span></div></td><td class=\"c n x13a2 y448a w9fb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">100%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y448b ff2 fs6 fc4 sc0 ls0 ws0\">Road<span class=\"_ gs2a\"> </span>Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr></table>1. <span class=\"_ _14\"> </span>O<span class=\"_ _3\"></span>n 18 Mar<span class=\"_ _3\"></span>ch 2024 C<span class=\"_ _3\"></span>har<span class=\"_ _3\"></span>ter Co<span class=\"_ _3\"></span>ur<span class=\"_ _3\"></span>t Finan<span class=\"_ _3\"></span>cial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es G<span class=\"_ _3\"></span>roup Pl<span class=\"_ _3\"></span>c chan<span class=\"_ _3\"></span>ged i<span class=\"_ _3\"></span>ts nam<span class=\"_ _3\"></span>e to CCFS<span class=\"_ _3\"></span>G Hol<span class=\"_ _3\"></span>ding<span class=\"_ _3\"></span>s Limite<span class=\"_ _3\"></span>d.<span class=\"_ _35a\"> </span>All inv<span class=\"_ _0\"></span>estments ar<span class=\"_ _0\"></span>e in the ordinary share capit<span class=\"_ _0\"></span>al of each subsidiary. OSB India Private Limit<span class=\"_ _0\"></span>ed is owned 7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.28% by OneSavings Bank plc, 29<span class=\"_ _2\"></span>.7<span class=\"_ _0\"></span>2% by Easioption Limited and 0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>001% by Reliance Property Loans Limite<span class=\"_ _0\"></span>d. SPV<span class=\"_ _0\"></span>s which the Group controls ar<span class=\"_ _0\"></span>e treated as subsidiaries f<span class=\"_ _0\"></span>or accounting purposes. All of the entities lis<span class=\"_ _0\"></span>ted abov<span class=\"_ _0\"></span>e have been consolidated in<span class=\"_ _0\"></span>to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial st<span class=\"_ _0\"></span>atements<span class=\"_ _0\"></span>. The location of the entities lis<span class=\"_ _0\"></span>ted abov<span class=\"_ _0\"></span>e are disclosed in note 46 to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial s<span class=\"_ _0\"></span>tatements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The inv<span class=\"_ _0\"></span>estment and in<span class=\"_ _0\"></span>tercompany receivables are r<span class=\"_ _0\"></span>evie<span class=\"_ _0\"></span>wed annually for indicat<span class=\"_ _0\"></span>ors of impairment. If impairment indicat<span class=\"_ _0\"></span>ors are identifie<span class=\"_ _0\"></span>d an impairment revie<span class=\"_ _0\"></span>w of the inv<span class=\"_ _0\"></span>estment is conducted which will quantify if the c<span class=\"_ _0\"></span>arrying value is in excess of the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount or an impairment has occurred. In det<span class=\"_ _0\"></span>ermining recover<span class=\"_ _0\"></span>able amount, the fair v<span class=\"_ _0\"></span>alue less costs to sell and the value in use are assessed, with the v<span class=\"_ _0\"></span>alue in use being an estimate of the pr<span class=\"_ _0\"></span>esent value of future cash flo<span class=\"_ _0\"></span>ws generat<span class=\"_ _0\"></span>ed by the inves<span class=\"_ _0\"></span>tment. Impairment of in<span class=\"_ _0\"></span>tercompany receivables is considered within the scope of IFR<span class=\"_ _0\"></span>S 9 for ECL.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing are the regis<span class=\"_ _0\"></span>tered offices of the subsidiaries:<span class=\"_ _35a\"> </span>Charter Cour<span class=\"_ _3\"></span>t \u2013 2 Charter Court, Broadlands, W<span class=\"_ _0\"></span>olv<span class=\"_ _0\"></span>erhampton, WV10 6TD<span class=\"_ _35a\"> </span>Churchill Place \u2013 5 Churchill Place<span class=\"_ _0\"></span>, 10th Floor<span class=\"_ _0\"></span>, London, E14 5HU Guernsey \u2013 2nd Floor<span class=\"_ _0\"></span>, L<span class=\"_ _0\"></span>efeb<span class=\"_ _0\"></span>vre Place, L<span class=\"_ _0\"></span>efebvr<span class=\"_ _0\"></span>e Street, St Pet<span class=\"_ _0\"></span>er Por<span class=\"_ _3\"></span>t, Guernsey G<span class=\"_ _0\"></span>Y1 2JP<span class=\"_ _35a\"> </span>India \u2013 Salarpuria Magnificia No. 7<span class=\"_ _0\"></span>8, 9th &amp; 10th floor<span class=\"_ _0\"></span>, Old Madr<span class=\"_ _0\"></span>as Road, Bangalore<span class=\"_ _0\"></span>, India, 560016<span class=\"_ _35a\"> </span>Jersey \u2013 2<span class=\"_ _0\"></span>6 New Str<span class=\"_ _0\"></span>eet, St Helier<span class=\"_ _0\"></span>, Jersey, JE2 3R<span class=\"_ _0\"></span>A<span class=\"_ _35a\"> </span>OSB House \u2013 Quayside<span class=\"_ _0\"></span>, Chatham Maritime, Chatham, England, ME4 4Q<span class=\"_ _0\"></span>Z<span class=\"_ _35a\"> </span>Reliance House \u2013 Reliance House<span class=\"_ _0\"></span>, Sun Pier<span class=\"_ _0\"></span>, Chatham, K<span class=\"_ _0\"></span>ent, ME4 4ET",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-412": {
   "value": "d) <span class=\"_ _11c\"> </span>Foreign curre<span class=\"_ _3\"></span>ncy transl<span class=\"_ _3\"></span>ation<span class=\"_ _35a\"> </span>The financial st<span class=\"_ _0\"></span>atements of each o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s subsidiaries are measur<span class=\"_ _0\"></span>ed using the currency of the primary economic en<span class=\"_ _0\"></span>vironment in which the subsidiary operat<span class=\"_ _0\"></span>es (the functional<span class=\"_ _3\"></span> currency). Foreign curr<span class=\"_ _0\"></span>ency transactions are tr<span class=\"_ _0\"></span>anslated into the functional curr<span class=\"_ _0\"></span>encies using the ex<span class=\"_ _0\"></span>change rates pre<span class=\"_ _0\"></span>vailing at the date of the tr<span class=\"_ _0\"></span>ansactions. Monetary it<span class=\"_ _0\"></span>ems denominated in<span class=\"_ gs2a\"> </span>foreign curr<span class=\"_ _0\"></span>encies are retr<span class=\"_ _0\"></span>anslated at the rate pr<span class=\"_ _0\"></span>evailing at the period end.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-413": {
   "value": "e<span class=\"_ _0\"></span>) <span class=\"_ _9\"> </span>S<span class=\"_ _3\"></span>egmental r<span class=\"_ _3\"></span>epor<span class=\"_ _3\"></span>ting<span class=\"_ _35a\"> </span>IFRS 8 requir<span class=\"_ _0\"></span>es operating segment<span class=\"_ _0\"></span>s to be identified on the basis of in<span class=\"_ _0\"></span>ternal reports and components of the Gr<span class=\"_ _0\"></span>oup which are regularly r<span class=\"_ _0\"></span>eview<span class=\"_ _0\"></span>ed by the chief operating decision mak<span class=\"_ _0\"></span>er to allocate r<span class=\"_ _0\"></span>esources to segments and t<span class=\"_ _0\"></span>o assess their performance. For this purpose, the chie<span class=\"_ _0\"></span>f operating decision mak<span class=\"_ _0\"></span>er of the Gr<span class=\"_ _0\"></span>oup is the Board of Direct<span class=\"_ _0\"></span>ors.<span class=\"_ _35a\"> </span>The Group pro<span class=\"_ _0\"></span>vides loans, asset finance and r<span class=\"_ _0\"></span>etail deposits within the UK.<span class=\"_ _35a\"> </span>The Group segment<span class=\"_ _0\"></span>s its lending business and operates under tw<span class=\"_ _0\"></span>o segments: \u2022 <span class=\"_ _15\"> </span>OneSavings Bank (OSB)<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Char<span class=\"_ _3\"></span>ter Court Financial Services (CCFS)<span class=\"_ _35a\"> </span>The Group has disclosed rele<span class=\"_ _0\"></span>vant risk managemen<span class=\"_ _0\"></span>t tables in note 42 at a sub-segment le<span class=\"_ _0\"></span>vel to provide de<span class=\"_ _0\"></span>tailed analysis of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s core lending business<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-469": {
   "value": "The Group provides loans, asset finance and retail deposits within the UK. The Group segments its lending business and operates under two segments: \u2022  OneSavings Bank (OSB) \u2022  Charter Court Financial Services (CCFS) ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-520": {
   "value": "f<span class=\"_ _3\"></span>) <span class=\"_ _c\"> </span>Interest income a<span class=\"_ _0\"></span>nd expense<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income and inter<span class=\"_ _0\"></span>est expense f<span class=\"_ _0\"></span>or all interes<span class=\"_ _0\"></span>t-bearing financial instrument<span class=\"_ _0\"></span>s is recognised in profit or loss using the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (EIR) method. The EIR is the r<span class=\"_ _0\"></span>ate which discounts the expected futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>, ov<span class=\"_ _0\"></span>er the expected life o<span class=\"_ _0\"></span>f the financial instrument, to the net carrying value of the financial asset or liability. Inter<span class=\"_ _0\"></span>est income on financial assets cate<span class=\"_ _0\"></span>gorised as stage 1 or 2 is reco<span class=\"_ _0\"></span>gnised on a gross basis, with inter<span class=\"_ _0\"></span>est income on st<span class=\"_ _0\"></span>age 3 assets recognised net of e<span class=\"_ _0\"></span>xpected credit losses (ECL). For purchased or originate<span class=\"_ _0\"></span>d credit-impaired assets (see not<span class=\"_ _0\"></span>e 1 m (vii), interes<span class=\"_ _0\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _0\"></span>ted EIR to the amortised cost o<span class=\"_ _0\"></span>f the asset. The calculation of interes<span class=\"_ _0\"></span>t income does not rev<span class=\"_ _0\"></span>ert to a gross basis ev<span class=\"_ _0\"></span>en if the credit risk of the asset impro<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>. See note 1 m (vii). for further information on IFRS 9 s<span class=\"_ _0\"></span>tage classifications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>When calculating the EIR, the Group es<span class=\"_ _0\"></span>timates cash flo<span class=\"_ _0\"></span>ws considering all contractual terms o<span class=\"_ _0\"></span>f the instrumen<span class=\"_ _0\"></span>t and behavioural aspects (for e<span class=\"_ _0\"></span>xample, pr<span class=\"_ _0\"></span>epayment options) but not considering future credit losses<span class=\"_ _0\"></span>. The calculation of the EIR includes tr<span class=\"_ _0\"></span>ansaction costs and f<span class=\"_ _0\"></span>ees paid or receive<span class=\"_ _0\"></span>d that are an integr<span class=\"_ _0\"></span>al part of the interes<span class=\"_ _0\"></span>t rate<span class=\"_ _0\"></span>, together with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _0\"></span>. T<span class=\"_ _0\"></span>ransaction cos<span class=\"_ _0\"></span>ts include incremen<span class=\"_ _0\"></span>tal costs that are directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _0\"></span>t.<span class=\"_ gsd4\"> </span>The Group monitor<span class=\"_ _0\"></span>s the actual cash flows f<span class=\"_ _0\"></span>or each portfolio and resets cash flo<span class=\"_ _0\"></span>ws on a monthly basis<span class=\"_ _0\"></span>, discounted at the EIR to deriv<span class=\"_ _0\"></span>e a new carrying value<span class=\"_ _0\"></span>, with changes tak<span class=\"_ _0\"></span>en to<span class=\"_ gs2a\"> </span>pro<span class=\"_ _0\"></span>fit or loss as interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span>The EIR is adjust<span class=\"_ _0\"></span>ed where there is a mov<span class=\"_ _0\"></span>ement in the expect<span class=\"_ _0\"></span>ed reference in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (Sterling Overnigh<span class=\"_ _0\"></span>t Index Aver<span class=\"_ _0\"></span>age (SONIA), synthetic London In<span class=\"_ _0\"></span>terbank Offered Rate (LIBOR) or base r<span class=\"_ _0\"></span>ate) affecting por<span class=\"_ _3\"></span>tfolios with a v<span class=\"_ _0\"></span>ariable interes<span class=\"_ _0\"></span>t rate which will impact futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>. The revised EIR is the rate which e<span class=\"_ _0\"></span>xactly discounts the r<span class=\"_ _0\"></span>evised cash flo<span class=\"_ _0\"></span>ws to the net carrying value o<span class=\"_ _0\"></span>f the loan por<span class=\"_ _3\"></span>tfolio<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income on inv<span class=\"_ _0\"></span>estment securities is included in in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>eceivable and similar income. Inter<span class=\"_ _0\"></span>est on derivativ<span class=\"_ _0\"></span>es is included in interes<span class=\"_ _0\"></span>t receivable and similar income or inter<span class=\"_ _0\"></span>est expense and similar charges f<span class=\"_ _0\"></span>ollowing the underlying instrumen<span class=\"_ _0\"></span>t it is hedging.<span class=\"_ _35a\"> </span>Coupons paid on A<span class=\"_ _0\"></span>T1 securities are r<span class=\"_ _0\"></span>ecognised directly in equity in the period in which they are paid. g) <span class=\"_ _11c\"> </span>Fees and co<span class=\"_ _3\"></span>mmission<span class=\"_ _3\"></span>s Fees and commissions which are an inte<span class=\"_ _0\"></span>gral part of the EIR of a financial instrumen<span class=\"_ _0\"></span>t are recognised as an adjus<span class=\"_ _0\"></span>tment to the EIR and recor<span class=\"_ _0\"></span>ded in interes<span class=\"_ _0\"></span>t income. The Group includes early redemption char<span class=\"_ _0\"></span>ges within the EIR. Fees received on mortgage adminis<span class=\"_ _0\"></span>tration services and mortgage origination activities, which are not an int<span class=\"_ _0\"></span>egral part of the EIR, are r<span class=\"_ _0\"></span>ecorded in other operating income and accoun<span class=\"_ _0\"></span>ted for in accordance with IFRS 15 R<span class=\"_ _0\"></span>evenue fr<span class=\"_ _0\"></span>om Contracts with Cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>, with income recognised when the services are delivered and the bene<span class=\"_ _0\"></span>fits are trans<span class=\"_ _0\"></span>ferred to client<span class=\"_ _0\"></span>s and customer<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Other fees and commissions are r<span class=\"_ _0\"></span>ecognised on the accrual basis as ser<span class=\"_ _3\"></span>vices are pr<span class=\"_ _0\"></span>ovided or on the performance of a significant act, net o<span class=\"_ _0\"></span>f value added tax (V<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _3\"></span>) and similar taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-502": {
   "value": "f<span class=\"_ _3\"></span>) <span class=\"_ _c\"> </span>Interest income a<span class=\"_ _0\"></span>nd expense<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income and inter<span class=\"_ _0\"></span>est expense f<span class=\"_ _0\"></span>or all interes<span class=\"_ _0\"></span>t-bearing financial instrument<span class=\"_ _0\"></span>s is recognised in profit or loss using the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (EIR) method. The EIR is the r<span class=\"_ _0\"></span>ate which discounts the expected futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>, ov<span class=\"_ _0\"></span>er the expected life o<span class=\"_ _0\"></span>f the financial instrument, to the net carrying value of the financial asset or liability. Inter<span class=\"_ _0\"></span>est income on financial assets cate<span class=\"_ _0\"></span>gorised as stage 1 or 2 is reco<span class=\"_ _0\"></span>gnised on a gross basis, with inter<span class=\"_ _0\"></span>est income on st<span class=\"_ _0\"></span>age 3 assets recognised net of e<span class=\"_ _0\"></span>xpected credit losses (ECL). For purchased or originate<span class=\"_ _0\"></span>d credit-impaired assets (see not<span class=\"_ _0\"></span>e 1 m (vii), interes<span class=\"_ _0\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _0\"></span>ted EIR to the amortised cost o<span class=\"_ _0\"></span>f the asset. The calculation of interes<span class=\"_ _0\"></span>t income does not rev<span class=\"_ _0\"></span>ert to a gross basis ev<span class=\"_ _0\"></span>en if the credit risk of the asset impro<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>. See note 1 m (vii). for further information on IFRS 9 s<span class=\"_ _0\"></span>tage classifications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>When calculating the EIR, the Group es<span class=\"_ _0\"></span>timates cash flo<span class=\"_ _0\"></span>ws considering all contractual terms o<span class=\"_ _0\"></span>f the instrumen<span class=\"_ _0\"></span>t and behavioural aspects (for e<span class=\"_ _0\"></span>xample, pr<span class=\"_ _0\"></span>epayment options) but not considering future credit losses<span class=\"_ _0\"></span>. The calculation of the EIR includes tr<span class=\"_ _0\"></span>ansaction costs and f<span class=\"_ _0\"></span>ees paid or receive<span class=\"_ _0\"></span>d that are an integr<span class=\"_ _0\"></span>al part of the interes<span class=\"_ _0\"></span>t rate<span class=\"_ _0\"></span>, together with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _0\"></span>. T<span class=\"_ _0\"></span>ransaction cos<span class=\"_ _0\"></span>ts include incremen<span class=\"_ _0\"></span>tal costs that are directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _0\"></span>t.<span class=\"_ gsd4\"> </span>The Group monitor<span class=\"_ _0\"></span>s the actual cash flows f<span class=\"_ _0\"></span>or each portfolio and resets cash flo<span class=\"_ _0\"></span>ws on a monthly basis<span class=\"_ _0\"></span>, discounted at the EIR to deriv<span class=\"_ _0\"></span>e a new carrying value<span class=\"_ _0\"></span>, with changes tak<span class=\"_ _0\"></span>en to<span class=\"_ gs2a\"> </span>pro<span class=\"_ _0\"></span>fit or loss as interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span>The EIR is adjust<span class=\"_ _0\"></span>ed where there is a mov<span class=\"_ _0\"></span>ement in the expect<span class=\"_ _0\"></span>ed reference in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (Sterling Overnigh<span class=\"_ _0\"></span>t Index Aver<span class=\"_ _0\"></span>age (SONIA), synthetic London In<span class=\"_ _0\"></span>terbank Offered Rate (LIBOR) or base r<span class=\"_ _0\"></span>ate) affecting por<span class=\"_ _3\"></span>tfolios with a v<span class=\"_ _0\"></span>ariable interes<span class=\"_ _0\"></span>t rate which will impact futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>. The revised EIR is the rate which e<span class=\"_ _0\"></span>xactly discounts the r<span class=\"_ _0\"></span>evised cash flo<span class=\"_ _0\"></span>ws to the net carrying value o<span class=\"_ _0\"></span>f the loan por<span class=\"_ _3\"></span>tfolio<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income on inv<span class=\"_ _0\"></span>estment securities is included in in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>eceivable and similar income. Inter<span class=\"_ _0\"></span>est on derivativ<span class=\"_ _0\"></span>es is included in interes<span class=\"_ _0\"></span>t receivable and similar income or inter<span class=\"_ _0\"></span>est expense and similar charges f<span class=\"_ _0\"></span>ollowing the underlying instrumen<span class=\"_ _0\"></span>t it is hedging.<span class=\"_ _35a\"> </span>Coupons paid on A<span class=\"_ _0\"></span>T1 securities are r<span class=\"_ _0\"></span>ecognised directly in equity in the period in which they are paid. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-470": {
   "value": "f<span class=\"_ _3\"></span>) <span class=\"_ _c\"> </span>Interest income a<span class=\"_ _0\"></span>nd expense<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income and inter<span class=\"_ _0\"></span>est expense f<span class=\"_ _0\"></span>or all interes<span class=\"_ _0\"></span>t-bearing financial instrument<span class=\"_ _0\"></span>s is recognised in profit or loss using the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (EIR) method. The EIR is the r<span class=\"_ _0\"></span>ate which discounts the expected futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>, ov<span class=\"_ _0\"></span>er the expected life o<span class=\"_ _0\"></span>f the financial instrument, to the net carrying value of the financial asset or liability. Inter<span class=\"_ _0\"></span>est income on financial assets cate<span class=\"_ _0\"></span>gorised as stage 1 or 2 is reco<span class=\"_ _0\"></span>gnised on a gross basis, with inter<span class=\"_ _0\"></span>est income on st<span class=\"_ _0\"></span>age 3 assets recognised net of e<span class=\"_ _0\"></span>xpected credit losses (ECL). For purchased or originate<span class=\"_ _0\"></span>d credit-impaired assets (see not<span class=\"_ _0\"></span>e 1 m (vii), interes<span class=\"_ _0\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _0\"></span>ted EIR to the amortised cost o<span class=\"_ _0\"></span>f the asset. The calculation of interes<span class=\"_ _0\"></span>t income does not rev<span class=\"_ _0\"></span>ert to a gross basis ev<span class=\"_ _0\"></span>en if the credit risk of the asset impro<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>. See note 1 m (vii). for further information on IFRS 9 s<span class=\"_ _0\"></span>tage classifications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>When calculating the EIR, the Group es<span class=\"_ _0\"></span>timates cash flo<span class=\"_ _0\"></span>ws considering all contractual terms o<span class=\"_ _0\"></span>f the instrumen<span class=\"_ _0\"></span>t and behavioural aspects (for e<span class=\"_ _0\"></span>xample, pr<span class=\"_ _0\"></span>epayment options) but not considering future credit losses<span class=\"_ _0\"></span>. The calculation of the EIR includes tr<span class=\"_ _0\"></span>ansaction costs and f<span class=\"_ _0\"></span>ees paid or receive<span class=\"_ _0\"></span>d that are an integr<span class=\"_ _0\"></span>al part of the interes<span class=\"_ _0\"></span>t rate<span class=\"_ _0\"></span>, together with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _0\"></span>. T<span class=\"_ _0\"></span>ransaction cos<span class=\"_ _0\"></span>ts include incremen<span class=\"_ _0\"></span>tal costs that are directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _0\"></span>t.<span class=\"_ gsd4\"> </span>The Group monitor<span class=\"_ _0\"></span>s the actual cash flows f<span class=\"_ _0\"></span>or each portfolio and resets cash flo<span class=\"_ _0\"></span>ws on a monthly basis<span class=\"_ _0\"></span>, discounted at the EIR to deriv<span class=\"_ _0\"></span>e a new carrying value<span class=\"_ _0\"></span>, with changes tak<span class=\"_ _0\"></span>en to<span class=\"_ gs2a\"> </span>pro<span class=\"_ _0\"></span>fit or loss as interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span>The EIR is adjust<span class=\"_ _0\"></span>ed where there is a mov<span class=\"_ _0\"></span>ement in the expect<span class=\"_ _0\"></span>ed reference in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (Sterling Overnigh<span class=\"_ _0\"></span>t Index Aver<span class=\"_ _0\"></span>age (SONIA), synthetic London In<span class=\"_ _0\"></span>terbank Offered Rate (LIBOR) or base r<span class=\"_ _0\"></span>ate) affecting por<span class=\"_ _3\"></span>tfolios with a v<span class=\"_ _0\"></span>ariable interes<span class=\"_ _0\"></span>t rate which will impact futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>. The revised EIR is the rate which e<span class=\"_ _0\"></span>xactly discounts the r<span class=\"_ _0\"></span>evised cash flo<span class=\"_ _0\"></span>ws to the net carrying value o<span class=\"_ _0\"></span>f the loan por<span class=\"_ _3\"></span>tfolio<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income on inv<span class=\"_ _0\"></span>estment securities is included in in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>eceivable and similar income. Inter<span class=\"_ _0\"></span>est on derivativ<span class=\"_ _0\"></span>es is included in interes<span class=\"_ _0\"></span>t receivable and similar income or inter<span class=\"_ _0\"></span>est expense and similar charges f<span class=\"_ _0\"></span>ollowing the underlying instrumen<span class=\"_ _0\"></span>t it is hedging.<span class=\"_ _35a\"> </span>Coupons paid on A<span class=\"_ _0\"></span>T1 securities are r<span class=\"_ _0\"></span>ecognised directly in equity in the period in which they are paid. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-414": {
   "value": "f<span class=\"_ _3\"></span>) <span class=\"_ _c\"> </span>Interest income a<span class=\"_ _0\"></span>nd expense<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income and inter<span class=\"_ _0\"></span>est expense f<span class=\"_ _0\"></span>or all interes<span class=\"_ _0\"></span>t-bearing financial instrument<span class=\"_ _0\"></span>s is recognised in profit or loss using the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (EIR) method. The EIR is the r<span class=\"_ _0\"></span>ate which discounts the expected futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>, ov<span class=\"_ _0\"></span>er the expected life o<span class=\"_ _0\"></span>f the financial instrument, to the net carrying value of the financial asset or liability. Inter<span class=\"_ _0\"></span>est income on financial assets cate<span class=\"_ _0\"></span>gorised as stage 1 or 2 is reco<span class=\"_ _0\"></span>gnised on a gross basis, with inter<span class=\"_ _0\"></span>est income on st<span class=\"_ _0\"></span>age 3 assets recognised net of e<span class=\"_ _0\"></span>xpected credit losses (ECL). For purchased or originate<span class=\"_ _0\"></span>d credit-impaired assets (see not<span class=\"_ _0\"></span>e 1 m (vii), interes<span class=\"_ _0\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _0\"></span>ted EIR to the amortised cost o<span class=\"_ _0\"></span>f the asset. The calculation of interes<span class=\"_ _0\"></span>t income does not rev<span class=\"_ _0\"></span>ert to a gross basis ev<span class=\"_ _0\"></span>en if the credit risk of the asset impro<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>. See note 1 m (vii). for further information on IFRS 9 s<span class=\"_ _0\"></span>tage classifications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>When calculating the EIR, the Group es<span class=\"_ _0\"></span>timates cash flo<span class=\"_ _0\"></span>ws considering all contractual terms o<span class=\"_ _0\"></span>f the instrumen<span class=\"_ _0\"></span>t and behavioural aspects (for e<span class=\"_ _0\"></span>xample, pr<span class=\"_ _0\"></span>epayment options) but not considering future credit losses<span class=\"_ _0\"></span>. The calculation of the EIR includes tr<span class=\"_ _0\"></span>ansaction costs and f<span class=\"_ _0\"></span>ees paid or receive<span class=\"_ _0\"></span>d that are an integr<span class=\"_ _0\"></span>al part of the interes<span class=\"_ _0\"></span>t rate<span class=\"_ _0\"></span>, together with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _0\"></span>. T<span class=\"_ _0\"></span>ransaction cos<span class=\"_ _0\"></span>ts include incremen<span class=\"_ _0\"></span>tal costs that are directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _0\"></span>t.<span class=\"_ gsd4\"> </span>The Group monitor<span class=\"_ _0\"></span>s the actual cash flows f<span class=\"_ _0\"></span>or each portfolio and resets cash flo<span class=\"_ _0\"></span>ws on a monthly basis<span class=\"_ _0\"></span>, discounted at the EIR to deriv<span class=\"_ _0\"></span>e a new carrying value<span class=\"_ _0\"></span>, with changes tak<span class=\"_ _0\"></span>en to<span class=\"_ gs2a\"> </span>pro<span class=\"_ _0\"></span>fit or loss as interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span>The EIR is adjust<span class=\"_ _0\"></span>ed where there is a mov<span class=\"_ _0\"></span>ement in the expect<span class=\"_ _0\"></span>ed reference in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate (Sterling Overnigh<span class=\"_ _0\"></span>t Index Aver<span class=\"_ _0\"></span>age (SONIA), synthetic London In<span class=\"_ _0\"></span>terbank Offered Rate (LIBOR) or base r<span class=\"_ _0\"></span>ate) affecting por<span class=\"_ _3\"></span>tfolios with a v<span class=\"_ _0\"></span>ariable interes<span class=\"_ _0\"></span>t rate which will impact futur<span class=\"_ _0\"></span>e cash flows<span class=\"_ _0\"></span>. The revised EIR is the rate which e<span class=\"_ _0\"></span>xactly discounts the r<span class=\"_ _0\"></span>evised cash flo<span class=\"_ _0\"></span>ws to the net carrying value o<span class=\"_ _0\"></span>f the loan por<span class=\"_ _3\"></span>tfolio<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est income on inv<span class=\"_ _0\"></span>estment securities is included in in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>eceivable and similar income. Inter<span class=\"_ _0\"></span>est on derivativ<span class=\"_ _0\"></span>es is included in interes<span class=\"_ _0\"></span>t receivable and similar income or inter<span class=\"_ _0\"></span>est expense and similar charges f<span class=\"_ _0\"></span>ollowing the underlying instrumen<span class=\"_ _0\"></span>t it is hedging.<span class=\"_ _35a\"> </span>Coupons paid on A<span class=\"_ _0\"></span>T1 securities are r<span class=\"_ _0\"></span>ecognised directly in equity in the period in which they are paid. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-415": {
   "value": "g) <span class=\"_ _11c\"> </span>Fees and co<span class=\"_ _3\"></span>mmission<span class=\"_ _3\"></span>s Fees and commissions which are an inte<span class=\"_ _0\"></span>gral part of the EIR of a financial instrumen<span class=\"_ _0\"></span>t are recognised as an adjus<span class=\"_ _0\"></span>tment to the EIR and recor<span class=\"_ _0\"></span>ded in interes<span class=\"_ _0\"></span>t income. The Group includes early redemption char<span class=\"_ _0\"></span>ges within the EIR. Fees received on mortgage adminis<span class=\"_ _0\"></span>tration services and mortgage origination activities, which are not an int<span class=\"_ _0\"></span>egral part of the EIR, are r<span class=\"_ _0\"></span>ecorded in other operating income and accoun<span class=\"_ _0\"></span>ted for in accordance with IFRS 15 R<span class=\"_ _0\"></span>evenue fr<span class=\"_ _0\"></span>om Contracts with Cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>, with income recognised when the services are delivered and the bene<span class=\"_ _0\"></span>fits are trans<span class=\"_ _0\"></span>ferred to client<span class=\"_ _0\"></span>s and customer<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Other fees and commissions are r<span class=\"_ _0\"></span>ecognised on the accrual basis as ser<span class=\"_ _3\"></span>vices are pr<span class=\"_ _0\"></span>ovided or on the performance of a significant act, net o<span class=\"_ _0\"></span>f value added tax (V<span class=\"_ _0\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _3\"></span>) and similar taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-471": {
   "value": "h<span class=\"_ _0\"></span>) T<span class=\"_ _0\"></span>axation<span class=\"_ _35a\"> </span>Income tax comprises current and de<span class=\"_ _0\"></span>ferred tax<span class=\"_ _0\"></span>. It is recognised in pro<span class=\"_ _0\"></span>fit or loss, other comprehensive income (<span class=\"_ _0\"></span>OCI) or directly in equity, consist<span class=\"_ _0\"></span>ent with the recognition of items it relates to<span class=\"_ _0\"></span>. The Group recognises t<span class=\"_ _0\"></span>ax on coupons paid on A<span class=\"_ _0\"></span>T1 securities directly in profit or loss<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Deferre<span class=\"_ _0\"></span>d tax assets are recognise<span class=\"_ _0\"></span>d only to the extent that it is pr<span class=\"_ _0\"></span>obable that future taxable profit<span class=\"_ _0\"></span>s will be available to utilise the asset. The recognition of de<span class=\"_ _0\"></span>ferred tax asset is mainly dependent on the projections o<span class=\"_ _0\"></span>f future taxable pr<span class=\"_ _0\"></span>ofits and future re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sals of temporary differences. The curr<span class=\"_ _0\"></span>ent projections of futur<span class=\"_ _0\"></span>e taxable income indicate that the Group will be<span class=\"_ gs2a\"> </span>able to utilise its def<span class=\"_ _0\"></span>erred tax asset within the for<span class=\"_ _0\"></span>eseeable future.<span class=\"_ _35a\"> </span>Deferre<span class=\"_ _0\"></span>d tax liabilities are recognised f<span class=\"_ _0\"></span>or all taxable tempor<span class=\"_ _0\"></span>ary dif<span class=\"_ _3\"></span>ferences<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The Company and its tax<span class=\"_ _0\"></span>-paying UK subsidiaries are in a group paymen<span class=\"_ _0\"></span>t arrangement for corporation tax and sho<span class=\"_ _0\"></span>w a net corporation tax liability and de<span class=\"_ _0\"></span>ferred tax liability accor<span class=\"_ _0\"></span>dingly. The Company and its UK subsidiaries are in the same V<span class=\"_ _0\"></span>A<span class=\"_ _2\"></span>T group.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-419": {
   "value": "h<span class=\"_ _0\"></span>) T<span class=\"_ _0\"></span>axation<span class=\"_ _35a\"> </span>Income tax comprises current and de<span class=\"_ _0\"></span>ferred tax<span class=\"_ _0\"></span>. It is recognised in pro<span class=\"_ _0\"></span>fit or loss, other comprehensive income (<span class=\"_ _0\"></span>OCI) or directly in equity, consist<span class=\"_ _0\"></span>ent with the recognition of items it relates to<span class=\"_ _0\"></span>. The Group recognises t<span class=\"_ _0\"></span>ax on coupons paid on A<span class=\"_ _0\"></span>T1 securities directly in profit or loss<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Deferre<span class=\"_ _0\"></span>d tax assets are recognise<span class=\"_ _0\"></span>d only to the extent that it is pr<span class=\"_ _0\"></span>obable that future taxable profit<span class=\"_ _0\"></span>s will be available to utilise the asset. The recognition of de<span class=\"_ _0\"></span>ferred tax asset is mainly dependent on the projections o<span class=\"_ _0\"></span>f future taxable pr<span class=\"_ _0\"></span>ofits and future re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sals of temporary differences. The curr<span class=\"_ _0\"></span>ent projections of futur<span class=\"_ _0\"></span>e taxable income indicate that the Group will be<span class=\"_ gs2a\"> </span>able to utilise its def<span class=\"_ _0\"></span>erred tax asset within the for<span class=\"_ _0\"></span>eseeable future.<span class=\"_ _35a\"> </span>Deferre<span class=\"_ _0\"></span>d tax liabilities are recognised f<span class=\"_ _0\"></span>or all taxable tempor<span class=\"_ _0\"></span>ary dif<span class=\"_ _3\"></span>ferences<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The Company and its tax<span class=\"_ _0\"></span>-paying UK subsidiaries are in a group paymen<span class=\"_ _0\"></span>t arrangement for corporation tax and sho<span class=\"_ _0\"></span>w a net corporation tax liability and de<span class=\"_ _0\"></span>ferred tax liability accor<span class=\"_ _0\"></span>dingly. The Company and its UK subsidiaries are in the same V<span class=\"_ _0\"></span>A<span class=\"_ _2\"></span>T group.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-416": {
   "value": "i) D<span class=\"_ _3\"></span>ivid<span class=\"_ _3\"></span>ends Dividends are recognise<span class=\"_ _0\"></span>d in equity in the period in which they are paid or<span class=\"_ _0\"></span>, if earlier<span class=\"_ _2\"></span>, approve<span class=\"_ _0\"></span>d by shareholder<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-529": {
   "value": "j) <span class=\"_ _b\"> </span>Cas<span class=\"_ _3\"></span>h and cash e<span class=\"_ _3\"></span>quivale<span class=\"_ _3\"></span>nts<span class=\"_ _35a\"> </span>For the purposes of the Consolidated St<span class=\"_ _0\"></span>atement of Cash Flo<span class=\"_ _0\"></span>ws, cash and cash e<span class=\"_ _0\"></span>quivalents comprise cash, non-res<span class=\"_ _0\"></span>tricted balances with credit ins<span class=\"_ _0\"></span>titutions and highly liquid financial assets with maturities of less than thr<span class=\"_ _0\"></span>ee months from date of acquisition, subject t<span class=\"_ _0\"></span>o an insignificant risk of changes in their f<span class=\"_ _0\"></span>air value and are used by the Group in the management<span class=\"_ gs2a\"> </span>of it<span class=\"_ _0\"></span>s shor<span class=\"_ _3\"></span>t-term commitment<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>m<span class=\"_ _0\"></span>) <span class=\"_ _10\"> </span>Financial ins<span class=\"_ _3\"></span>truments<span class=\"_ _35a\"> </span>i. Recognition<span class=\"_ _35a\"> </span>The Group initially recognises lo<span class=\"_ _0\"></span>ans and advances, deposits<span class=\"_ _0\"></span>, debt securities issued, senior notes and subor<span class=\"_ _0\"></span>dinated liabilities on the date on which they are originated or ac<span class=\"_ _0\"></span>quired. All<span class=\"_ gs2a\"> </span>other financial instrumen<span class=\"_ _0\"></span>ts are accounted f<span class=\"_ _0\"></span>or on the trade date which is when the Group<span class=\"_ gs2a\"> </span>becomes a party to the contrac<span class=\"_ _0\"></span>tual provisions of the ins<span class=\"_ _0\"></span>trument. For financial instrumen<span class=\"_ _0\"></span>ts classified as amortised cost or FV<span class=\"_ _0\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _0\"></span>alue plus transaction income or costs that ar<span class=\"_ _0\"></span>e directly attributable to it<span class=\"_ _0\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _0\"></span>truments classified as amortised cost are subsequen<span class=\"_ _0\"></span>tly measured using the EIR method. T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansaction costs directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial ins<span class=\"_ _0\"></span>trument at<span class=\"_ gs2a\"> </span>FV<span class=\"_ _3\"></span>TPL ar<span class=\"_ _0\"></span>e recognised in pro<span class=\"_ _0\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _35a\"> </span>The Group classifies financial ins<span class=\"_ _0\"></span>truments based on the business model and the contr<span class=\"_ _0\"></span>actual cash flow char<span class=\"_ _0\"></span>acteris<span class=\"_ _0\"></span>tics of the financial instrument<span class=\"_ _0\"></span>s. In accordance with IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>, the Group classifies financial assets int<span class=\"_ _0\"></span>o one of three measurement c<span class=\"_ _0\"></span>ategories:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t \u2013 assets in a business model to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash flows<span class=\"_ _0\"></span>, where the contr<span class=\"_ _0\"></span>actual terms of the financial asset give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are solely payment<span class=\"_ _0\"></span>s of principal and interes<span class=\"_ _0\"></span>t (SPPI) on<span class=\"_ gs2a\"> </span>the<span class=\"_ gs2a\"> </span>principal amount outs<span class=\"_ _0\"></span>tanding. \u2022 <span class=\"_ _15\"> </span>FVOCI \u2013 assets held in a business model which collect<span class=\"_ _0\"></span>s contractual cash flo<span class=\"_ _0\"></span>ws and sells financial assets<span class=\"_ _0\"></span>, where the contractual t<span class=\"_ _0\"></span>erms of the financial assets give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing. \u2022 <span class=\"_ _15\"> </span>FV<span class=\"_ _3\"></span>TPL \u2013 assets not me<span class=\"_ _0\"></span>asured at amortised cost or FV<span class=\"_ _0\"></span>OCI. The Group measures derivativ<span class=\"_ _0\"></span>es, an acquired mortgage portfolio and some inv<span class=\"_ _0\"></span>estment securities under this c<span class=\"_ _0\"></span>ategory. The Group reassesses it<span class=\"_ _0\"></span>s business models each reporting period.<span class=\"_ _35a\"> </span>The Group classifies non-derivativ<span class=\"_ _0\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _35a\"> </span>The Group classifies certain financial instrumen<span class=\"_ _0\"></span>ts as equity where they meet the follo<span class=\"_ _0\"></span>wing conditions:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument includes no con<span class=\"_ _0\"></span>tractual obligation to deliv<span class=\"_ _0\"></span>er cash or another financial asset on potentially unf<span class=\"_ _0\"></span>avourable conditions;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a non-deriv<span class=\"_ _0\"></span>ative that includes no contr<span class=\"_ _0\"></span>actual obligation for the issuer to deliver a v<span class=\"_ _0\"></span>ariable number of its own e<span class=\"_ _0\"></span>quity instruments; or<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a deriv<span class=\"_ _0\"></span>ative that will be settled only by the issuer ex<span class=\"_ _0\"></span>changing a fixed amoun<span class=\"_ _0\"></span>t of cash or another financial asset for a fixe<span class=\"_ _0\"></span>d number of its own equity<span class=\"_ gs2a\"> </span>instrumen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s sources of debt funding ar<span class=\"_ _0\"></span>e deposits from ret<span class=\"_ _0\"></span>ail customer<span class=\"_ _0\"></span>s and credit institutions<span class=\"_ _0\"></span>, including collateralise<span class=\"_ _0\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _2\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _0\"></span>or SMEs (<span class=\"_ _3\"></span>TFSME), asset-back<span class=\"_ _0\"></span>ed loan notes issued through the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation pro<span class=\"_ _0\"></span>grammes, subor<span class=\"_ _0\"></span>dinated liabilities and senior notes<span class=\"_ _0\"></span>. Cash receive<span class=\"_ _0\"></span>d under the TFSME is recorded in amoun<span class=\"_ _0\"></span>ts ow<span class=\"_ _0\"></span>ed to credit ins<span class=\"_ _0\"></span>titutions. Financial liabilities, including T<span class=\"_ _0\"></span>ier 2 instruments<span class=\"_ _0\"></span>, are classified as such wher<span class=\"_ _0\"></span>e the terms allow no absolute discretion<span class=\"_ gs2a\"> </span>o<span class=\"_ _0\"></span>ver the payment of in<span class=\"_ _0\"></span>terest. During the year equity financial ins<span class=\"_ _0\"></span>truments comprised own shar<span class=\"_ _0\"></span>es and A<span class=\"_ _0\"></span>T1 securities. A<span class=\"_ _2\"></span>T1 securities are designated as equity ins<span class=\"_ _0\"></span>truments and r<span class=\"_ _0\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _0\"></span>al costs directly attribut<span class=\"_ _0\"></span>able to the issuance of equity instrumen<span class=\"_ _0\"></span>ts. Accor<span class=\"_ _0\"></span>dingly, the coupons paid on A<span class=\"_ _0\"></span>T1 securities are recognise<span class=\"_ _0\"></span>d directly in retained earnings when paid.<span class=\"_ _35a\"> </span>iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span>The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span>The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span>Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>v<span class=\"_ _0\"></span>. <span class=\"_ _c\"> </span>Amor<span class=\"_ _3\"></span>tised cost measurement<span class=\"_ _35a\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _0\"></span>t at which the financial asset or financial liability is measured at initial r<span class=\"_ _0\"></span>ecognition, less principal payments or receipts<span class=\"_ _0\"></span>, plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _0\"></span>een the initial amount recognise<span class=\"_ _0\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _0\"></span>t of<span class=\"_ gs2a\"> </span>assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span>Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span>The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span>The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span>The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span>Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span>The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span>At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span>Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span>The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. \u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage 2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span>The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span>The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span>The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span>The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span>The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span>Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span>Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span>Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intercompany loans<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>n<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to custo<span class=\"_ _3\"></span>mers<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s are predominan<span class=\"_ _0\"></span>tly mor<span class=\"_ _3\"></span>tgage loans and adv<span class=\"_ _0\"></span>ances to cust<span class=\"_ _0\"></span>omers with fixed or determinable paymen<span class=\"_ _0\"></span>ts that are not quoted in an ac<span class=\"_ _0\"></span>tive mark<span class=\"_ _0\"></span>et and that the Group does not int<span class=\"_ _0\"></span>end to sell in the near term. They are initially recor<span class=\"_ _0\"></span>ded at fair value plus any directly attributable tr<span class=\"_ _0\"></span>ansaction costs and ar<span class=\"_ _0\"></span>e subsequently measured at amortised cost using the EIR method, less impairmen<span class=\"_ _0\"></span>t losses. Where e<span class=\"_ _0\"></span>xposures are hedged by deriv<span class=\"_ _0\"></span>atives, designated and qualifying as fair v<span class=\"_ _0\"></span>alue hedges, the fair v<span class=\"_ _0\"></span>alue adjustment for the he<span class=\"_ _0\"></span>dged risk to the carrying value o<span class=\"_ _0\"></span>f the hedged loans and advances is reported in fair v<span class=\"_ _0\"></span>alue adjustments for hedged asset<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and the related pro<span class=\"_ _0\"></span>vision are written off when there is a shortfall remaining after the underlying security is sold. Subsequent reco<span class=\"_ _0\"></span>veries of amoun<span class=\"_ _0\"></span>ts previously written o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f are tak<span class=\"_ _0\"></span>en through pro<span class=\"_ _0\"></span>fit or loss.<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s ov<span class=\"_ _0\"></span>er which the Group transfer<span class=\"_ _0\"></span>s its rights t<span class=\"_ _0\"></span>o the collateral thereon to the BoE under the TFSME and Inde<span class=\"_ _0\"></span>x Long-<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>erm Repo (IL<span class=\"_ _0\"></span>TR) schemes are not derecognised fr<span class=\"_ _0\"></span>om the Consolidated Statement o<span class=\"_ _0\"></span>f Financial Position, as the Group retains subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership, including all cash flo<span class=\"_ _0\"></span>ws arising from the loans and advances and exposur<span class=\"_ _0\"></span>e to credit risk. The Gr<span class=\"_ _0\"></span>oup classifies TFSME and IL<span class=\"_ _2\"></span>TR as amortised cost under IFRS 9 Financial Ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s include a small acquired mortgage portfolio where the contr<span class=\"_ _0\"></span>actual cash flows include payment<span class=\"_ _0\"></span>s that are not SPPI and as such are measure<span class=\"_ _0\"></span>d at FV<span class=\"_ _3\"></span>TPL. Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s include the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s asset finance lease lending. Finance leases are initially measur<span class=\"_ _0\"></span>ed at an amount equal to the net in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the lease, using the inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e implicit in the finance lease. Direct cos<span class=\"_ _0\"></span>ts are included in the initial measur<span class=\"_ _0\"></span>ement of the net inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t in the lease and reduce the amount of income r<span class=\"_ _0\"></span>ecognised over the lease term. Finance income is recognised o<span class=\"_ _0\"></span>ver the lease term, base<span class=\"_ _0\"></span>d on a pattern reflecting a<span class=\"_ gs2a\"> </span>constan<span class=\"_ _0\"></span>t periodic rate o<span class=\"_ _0\"></span>f return on the net inv<span class=\"_ _0\"></span>estment in the lease<span class=\"_ _0\"></span>. r<span class=\"_ _0\"></span>) <span class=\"_ _146\"> </span>Hedge accounti<span class=\"_ _0\"></span>ng<span class=\"_ _35a\"> </span>The Group has chosen to con<span class=\"_ _0\"></span>tinue to apply the hedge accounting requir<span class=\"_ _0\"></span>ements of International Accoun<span class=\"_ _0\"></span>ting Standards (IA<span class=\"_ _0\"></span>S) 39 instead o<span class=\"_ _0\"></span>f the requirement<span class=\"_ _0\"></span>s in Chapter 6 of IFRS 9<span class=\"_ _2\"></span>. The Group uses fair v<span class=\"_ _0\"></span>alue hedge accounting for a portfolio hedge of int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk. The hedging str<span class=\"_ _0\"></span>ategy of the Gr<span class=\"_ _0\"></span>oup is divided into portfolio hedges<span class=\"_ _0\"></span>, where the hedged item is a homogeneous portfolio of assets (mortgage lending) or liabilities (savings product<span class=\"_ _0\"></span>s), and micro hedges<span class=\"_ _0\"></span>, where the hedged item is a dis<span class=\"_ _0\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _0\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>i. <span class=\"_ _18a\"> </span>Por<span class=\"_ _3\"></span>tfolio h<span class=\"_ _3\"></span>edge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>Portfolio hedge accounting allo<span class=\"_ _0\"></span>ws for hedge effectiveness tes<span class=\"_ _0\"></span>ting and accounting ov<span class=\"_ _0\"></span>er an entire portfolio o<span class=\"_ _0\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _0\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _0\"></span>ed rate portfolio of mortgages and savings account<span class=\"_ _0\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _0\"></span>epricing time periods based on expected r<span class=\"_ _0\"></span>epricing dates, utilising the Gr<span class=\"_ _0\"></span>oup Assets and Liabilities Committee (AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>) approve<span class=\"_ _0\"></span>d prepayment curve. In<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate sw<span class=\"_ _0\"></span>aps are designated agains<span class=\"_ _0\"></span>t the repricing time periods to es<span class=\"_ _0\"></span>tablish the hedge relationship.<span class=\"_ _35a\"> </span>ii. <span class=\"_ _9\"> </span>Micro hedges<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s micro hedging s<span class=\"_ _0\"></span>trate<span class=\"_ _0\"></span>gy entails hedge accounting on an individual ins<span class=\"_ _0\"></span>trument-<span class=\"_ _35a\"> </span>by-instrumen<span class=\"_ _0\"></span>t basis, which in some ins<span class=\"_ _0\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _0\"></span>trument may be ex<span class=\"_ _0\"></span>ercised early. The Group applies f<span class=\"_ _0\"></span>air value micro hedge accounting to manage its e<span class=\"_ _0\"></span>xposure to the int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk arising from some of its fix<span class=\"_ _0\"></span>ed rate deb<span class=\"_ _0\"></span>t issuances. Inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps ar<span class=\"_ _0\"></span>e assigned to specific issuances of fixed r<span class=\"_ _0\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _35a\"> </span>iii.<span class=\"_ _0\"></span> <span class=\"_ _14\"> </span>Hedge effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _0\"></span>eness<span class=\"_ _35a\"> </span>Hedge effectiveness is calculat<span class=\"_ _0\"></span>ed as a percentage of the f<span class=\"_ _0\"></span>air value mov<span class=\"_ _0\"></span>ement of the inter<span class=\"_ _0\"></span>est rate s<span class=\"_ _0\"></span>wap agains<span class=\"_ _0\"></span>t the fair value mov<span class=\"_ _0\"></span>ement of the hedged it<span class=\"_ _0\"></span>em over the period t<span class=\"_ _0\"></span>ested. The Group considers the f<span class=\"_ _0\"></span>ollowing as k<span class=\"_ _0\"></span>ey sources of he<span class=\"_ _0\"></span>dge inef<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>eness:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in maturity date of the sw<span class=\"_ _0\"></span>ap and hedged item, as s<span class=\"_ _0\"></span>waps with a given maturity date cov<span class=\"_ _0\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _0\"></span>oughout the month;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the actual behaviour of the hedged item differing from expect<span class=\"_ _0\"></span>ations, such as early repayment<span class=\"_ _0\"></span>s or withdraw<span class=\"_ _0\"></span>als and arrears;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>minimal movemen<span class=\"_ _0\"></span>ts in the yield curve leading to ineffectiveness where he<span class=\"_ _0\"></span>dge relationships are sensitiv<span class=\"_ _0\"></span>e to small value changes; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in the sw<span class=\"_ _0\"></span>ap interes<span class=\"_ _0\"></span>t rate and r<span class=\"_ _0\"></span>ate used to value the hedged it<span class=\"_ _0\"></span>em where the sw<span class=\"_ _0\"></span>ap rate is higher than the contr<span class=\"_ _0\"></span>actual rate o<span class=\"_ _0\"></span>f the hedged item. Where there is an e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>e hedge relationship for fair value he<span class=\"_ _0\"></span>dges, the Group r<span class=\"_ _0\"></span>ecognises the change in fair value o<span class=\"_ _0\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _0\"></span>e movemen<span class=\"_ _0\"></span>t in their value being sho<span class=\"_ _0\"></span>wn separately in the Consolidated St<span class=\"_ _0\"></span>atement of Financial Position as fair v<span class=\"_ _0\"></span>alue adjustmen<span class=\"_ _0\"></span>ts on hedged assets and liabilities<span class=\"_ _0\"></span>. The fair value changes of both the deriv<span class=\"_ _0\"></span>ative and the hedge subst<span class=\"_ _0\"></span>antially offset each other to re<span class=\"_ _0\"></span>duce profit volatility.<span class=\"_ _35a\"> </span>The Group discontinues hedge accoun<span class=\"_ _0\"></span>ting when the derivative ceases through e<span class=\"_ _0\"></span>xpiry, when the derivative is c<span class=\"_ _0\"></span>ancelled or the underlying hedged item matures<span class=\"_ _0\"></span>, is sold or is repaid.<span class=\"_ _35a\"> </span>If a derivative no longer meet<span class=\"_ _0\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _0\"></span>t still effective<span class=\"_ _0\"></span>, including LIBOR-link<span class=\"_ _0\"></span>ed derivatives cancelled as a r<span class=\"_ _0\"></span>esult of Interbank Offered R<span class=\"_ _0\"></span>ate (IBOR) ref<span class=\"_ _0\"></span>orms, the fair v<span class=\"_ _0\"></span>alue adjustment relating t<span class=\"_ _0\"></span>o the hedged assets or liabilities within the hedge relationship prior to the deriv<span class=\"_ _0\"></span>ative becoming ineffective or being cancelled r<span class=\"_ _0\"></span>emains on the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position and is amortised over the r<span class=\"_ _0\"></span>emaining life of the hedged assets or liabilities<span class=\"_ _0\"></span>. The rate o<span class=\"_ _0\"></span>f amor<span class=\"_ _3\"></span>tisation ov<span class=\"_ _0\"></span>er the remaining life is in line with expected income or cos<span class=\"_ _0\"></span>t generate<span class=\"_ _0\"></span>d from the hedged assets or liabilities<span class=\"_ _0\"></span>. Each reporting period, the expectation is compar<span class=\"_ _0\"></span>ed to actual with an accelerated run-o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f applied where the tw<span class=\"_ _0\"></span>o diver<span class=\"_ _0\"></span>ge by more than set paramet<span class=\"_ _0\"></span>ers.<span class=\"_ _35a\"> </span>s<span class=\"_ _0\"></span>) <span class=\"_ _d\"> </span>Debit and cre<span class=\"_ _3\"></span>dit valuation adju<span class=\"_ _3\"></span>stments<span class=\"_ _35a\"> </span>The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A and CV<span class=\"_ _2\"></span>A are included in the fair value of deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts. The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A is based on the expecte<span class=\"_ _0\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities def<span class=\"_ _0\"></span>aulting. The CV<span class=\"_ _0\"></span>A r<span class=\"_ _0\"></span>eflects the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s risk of the coun<span class=\"_ _0\"></span>terparty\u2019<span class=\"_ _0\"></span>s default. The methodology is based on a s<span class=\"_ _0\"></span>tandard calculation, t<span class=\"_ _0\"></span>aking into account the credit rating o<span class=\"_ _0\"></span>f the swap count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty, time to maturity, the f<span class=\"_ _0\"></span>air value of the sw<span class=\"_ _0\"></span>ap and any collateral<span class=\"_ gs2a\"> </span>arr<span class=\"_ _0\"></span>angements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-417": {
   "value": "j) <span class=\"_ _b\"> </span>Cas<span class=\"_ _3\"></span>h and cash e<span class=\"_ _3\"></span>quivale<span class=\"_ _3\"></span>nts<span class=\"_ _35a\"> </span>For the purposes of the Consolidated St<span class=\"_ _0\"></span>atement of Cash Flo<span class=\"_ _0\"></span>ws, cash and cash e<span class=\"_ _0\"></span>quivalents comprise cash, non-res<span class=\"_ _0\"></span>tricted balances with credit ins<span class=\"_ _0\"></span>titutions and highly liquid financial assets with maturities of less than thr<span class=\"_ _0\"></span>ee months from date of acquisition, subject t<span class=\"_ _0\"></span>o an insignificant risk of changes in their f<span class=\"_ _0\"></span>air value and are used by the Group in the management<span class=\"_ gs2a\"> </span>of it<span class=\"_ _0\"></span>s shor<span class=\"_ _3\"></span>t-term commitment<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-539": {
   "value": "k) <span class=\"_ _f\"> </span>Prop<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ty, plant and eq<span class=\"_ _3\"></span>uipment<span class=\"_ _35a\"> </span>Property, plant and equipment comprise fr<span class=\"_ _0\"></span>eehold land and buildings, major alter<span class=\"_ _0\"></span>ations to office premises, comput<span class=\"_ _0\"></span>er equipment and fixtures measur<span class=\"_ _0\"></span>ed at cost less accumulated depreciation. These assets ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually, and if they are considered to<span class=\"_ gs2a\"> </span>be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intangible asset<span class=\"_ _0\"></span>s are revie<span class=\"_ _0\"></span>wed f<span class=\"_ _0\"></span>or impairment at least semi-annually, and if they ar<span class=\"_ _0\"></span>e considered to be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>. Impairment losses previously r<span class=\"_ _0\"></span>ecognised for intangible asset<span class=\"_ _0\"></span>s, other than goodwill, are r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sed when there has been a change in the estimates use<span class=\"_ _0\"></span>d to determine the asset<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s recov<span class=\"_ _0\"></span>erable amount. An impairmen<span class=\"_ _0\"></span>t loss rev<span class=\"_ _0\"></span>ersal is recognise<span class=\"_ _0\"></span>d in the Consolidated Statement o<span class=\"_ _0\"></span>f Comprehensive Income and the carrying amount of the asset is incr<span class=\"_ _0\"></span>eased to its reco<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>able amount.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-521": {
   "value": "k) <span class=\"_ _f\"> </span>Prop<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ty, plant and eq<span class=\"_ _3\"></span>uipment<span class=\"_ _35a\"> </span>Property, plant and equipment comprise fr<span class=\"_ _0\"></span>eehold land and buildings, major alter<span class=\"_ _0\"></span>ations to office premises, comput<span class=\"_ _0\"></span>er equipment and fixtures measur<span class=\"_ _0\"></span>ed at cost less accumulated depreciation. These assets ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually, and if they are considered to<span class=\"_ gs2a\"> </span>be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intangible asset<span class=\"_ _0\"></span>s are revie<span class=\"_ _0\"></span>wed f<span class=\"_ _0\"></span>or impairment at least semi-annually, and if they ar<span class=\"_ _0\"></span>e considered to be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>. Impairment losses previously r<span class=\"_ _0\"></span>ecognised for intangible asset<span class=\"_ _0\"></span>s, other than goodwill, are r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sed when there has been a change in the estimates use<span class=\"_ _0\"></span>d to determine the asset<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s recov<span class=\"_ _0\"></span>erable amount. An impairmen<span class=\"_ _0\"></span>t loss rev<span class=\"_ _0\"></span>ersal is recognise<span class=\"_ _0\"></span>d in the Consolidated Statement o<span class=\"_ _0\"></span>f Comprehensive Income and the carrying amount of the asset is incr<span class=\"_ _0\"></span>eased to its reco<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>able amount.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-418": {
   "value": "k) <span class=\"_ _f\"> </span>Prop<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ty, plant and eq<span class=\"_ _3\"></span>uipment<span class=\"_ _35a\"> </span>Property, plant and equipment comprise fr<span class=\"_ _0\"></span>eehold land and buildings, major alter<span class=\"_ _0\"></span>ations to office premises, comput<span class=\"_ _0\"></span>er equipment and fixtures measur<span class=\"_ _0\"></span>ed at cost less accumulated depreciation. These assets ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually, and if they are considered to<span class=\"_ gs2a\"> </span>be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Items of pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty, plant and equipmen<span class=\"_ _0\"></span>t are depreciated on a s<span class=\"_ _0\"></span>traight-line basis o<span class=\"_ _0\"></span>ver their estimat<span class=\"_ _0\"></span>ed useful economic lives as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>Buildings <span class=\"_ _254\"> </span>50 years<span class=\"_ _35a\"> </span>Fixtures &amp; fittings<span class=\"_ _0\"></span>, computer hardw<span class=\"_ _0\"></span>are and vehicles <span class=\"_ _255\"> </span>5 years<span class=\"_ _35a\"> </span>Le<span class=\"_ _0\"></span>asehold improvemen<span class=\"_ _0\"></span>ts <span class=\"_ _256\"> </span>Shorter of useful life or lease t<span class=\"_ _0\"></span>erm<span class=\"_ _35a\"> </span>For assets under cons<span class=\"_ _0\"></span>truction (dev<span class=\"_ _0\"></span>elopment assets), no depreciation is char<span class=\"_ _0\"></span>ged until the asset is available for use<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Land, deemed t<span class=\"_ _0\"></span>o be 25% of purchase price of buildings<span class=\"_ _0\"></span>, is not depreciated. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-472": {
   "value": "Items of pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty, plant and equipmen<span class=\"_ _0\"></span>t are depreciated on a s<span class=\"_ _0\"></span>traight-line basis o<span class=\"_ _0\"></span>ver their estimat<span class=\"_ _0\"></span>ed useful economic lives as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>Buildings <span class=\"_ _254\"> </span>50 years<span class=\"_ _35a\"> </span>Fixtures &amp; fittings<span class=\"_ _0\"></span>, computer hardw<span class=\"_ _0\"></span>are and vehicles <span class=\"_ _255\"> </span>5 years<span class=\"_ _35a\"> </span>Le<span class=\"_ _0\"></span>asehold improvemen<span class=\"_ _0\"></span>ts <span class=\"_ _256\"> </span>Shorter of useful life or lease t<span class=\"_ _0\"></span>erm<span class=\"_ _35a\"> </span>For assets under cons<span class=\"_ _0\"></span>truction (dev<span class=\"_ _0\"></span>elopment assets), no depreciation is char<span class=\"_ _0\"></span>ged until the asset is available for use<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Land, deemed t<span class=\"_ _0\"></span>o be 25% of purchase price of buildings<span class=\"_ _0\"></span>, is not depreciated. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-473": {
   "value": "l) <span class=\"_ _b\"> </span>Intangible as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span>Purchased softw<span class=\"_ _0\"></span>are and costs dir<span class=\"_ _0\"></span>ectly associated with the dev<span class=\"_ _0\"></span>elopment of computer softw<span class=\"_ _0\"></span>are are capitalise<span class=\"_ _0\"></span>d as intangible assets where the so<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>tw<span class=\"_ _0\"></span>are is a unique and identifiable asset controlled by the Gr<span class=\"_ _0\"></span>oup and will generate future economic bene<span class=\"_ _0\"></span>fits. Cos<span class=\"_ _0\"></span>ts to est<span class=\"_ _0\"></span>ablish technological fe<span class=\"_ _0\"></span>asibility or to maintain exis<span class=\"_ _0\"></span>ting lev<span class=\"_ _0\"></span>els of performance are recognised as an expense<span class=\"_ _0\"></span>. The Group only recognises int<span class=\"_ _0\"></span>ernally generated int<span class=\"_ _0\"></span>angible assets if all of the follo<span class=\"_ _0\"></span>wing<span class=\"_ gs2a\"> </span>conditions are met:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>an asset is being created that can be iden<span class=\"_ _0\"></span>tified after establishing the technical and commercial feasibility o<span class=\"_ _0\"></span>f the resulting product;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>it is probable that the asset create<span class=\"_ _0\"></span>d will generate future economic benefit<span class=\"_ _0\"></span>s; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the developmen<span class=\"_ _0\"></span>t cost of the asset can be measur<span class=\"_ _0\"></span>ed reliably.<span class=\"_ _35a\"> </span>Subsequent e<span class=\"_ _0\"></span>xpenditure on an internally gener<span class=\"_ _0\"></span>ated intangible asset, after its pur<span class=\"_ _0\"></span>chase or completion, is recognised as an e<span class=\"_ _0\"></span>xpense in the period in which it is incurred. Where no internally gener<span class=\"_ _0\"></span>ated intangible asset c<span class=\"_ _0\"></span>an be recognised, dev<span class=\"_ _0\"></span>elopment expenditure is recognised as an e<span class=\"_ _0\"></span>xpense in the period in which it is incurred.<span class=\"_ _35a\"> </span>Software is on<span class=\"_ _0\"></span>ly recognised if:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>The Group has the contrac<span class=\"_ _0\"></span>tual right to tak<span class=\"_ _0\"></span>e possession of the softw<span class=\"_ _0\"></span>are during the hosting period without significant penalty; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>It is feasible for the Group t<span class=\"_ _0\"></span>o run the software on its o<span class=\"_ _0\"></span>wn hardw<span class=\"_ _0\"></span>are or contrac<span class=\"_ _0\"></span>t with a par<span class=\"_ _3\"></span>ty unrelated t<span class=\"_ _0\"></span>o the supplier to host the softw<span class=\"_ _0\"></span>are.<span class=\"_ _35a\"> </span>The costs o<span class=\"_ _0\"></span>f configuring or customising supplier application so<span class=\"_ _0\"></span>ftware in a Softwar<span class=\"_ _0\"></span>e-as-a-<span class=\"_ _35a\"> </span>Service (SaaS) arrangement that is determined t<span class=\"_ _0\"></span>o be a ser<span class=\"_ _3\"></span>vice contr<span class=\"_ _0\"></span>act is recognised as an expense or prepaymen<span class=\"_ _0\"></span>t. SaaS is an arrangement that pr<span class=\"_ _0\"></span>ovides the Group with the right t<span class=\"_ _0\"></span>o receive access t<span class=\"_ _0\"></span>o the supplier\u2019<span class=\"_ _0\"></span>s application softwar<span class=\"_ _0\"></span>e in the future which is treated as a service contr<span class=\"_ _0\"></span>act, rather than a softwar<span class=\"_ _0\"></span>e lease or the acquisition of a softwar<span class=\"_ _0\"></span>e intangible asset. Where the configuration and cus<span class=\"_ _0\"></span>tomisation services are not distinct fr<span class=\"_ _0\"></span>om the right to receive access to<span class=\"_ gs2a\"> </span>the softwar<span class=\"_ _0\"></span>e, then the cost<span class=\"_ _0\"></span>s are recognised as an e<span class=\"_ _0\"></span>xpense over the term o<span class=\"_ _0\"></span>f the arrangement. Intangible asset<span class=\"_ _0\"></span>s are revie<span class=\"_ _0\"></span>wed f<span class=\"_ _0\"></span>or impairment at least semi-annually, and if they ar<span class=\"_ _0\"></span>e considered to be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>. Impairment losses previously r<span class=\"_ _0\"></span>ecognised for intangible asset<span class=\"_ _0\"></span>s, other than goodwill, are r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sed when there has been a change in the estimates use<span class=\"_ _0\"></span>d to determine the asset<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s recov<span class=\"_ _0\"></span>erable amount. An impairmen<span class=\"_ _0\"></span>t loss rev<span class=\"_ _0\"></span>ersal is recognise<span class=\"_ _0\"></span>d in the Consolidated Statement o<span class=\"_ _0\"></span>f Comprehensive Income and the carrying amount of the asset is incr<span class=\"_ _0\"></span>eased to its reco<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>able amount.<span class=\"_ _35a\"> </span>Intangible asset<span class=\"_ _0\"></span>s are amortised on a straigh<span class=\"_ _0\"></span>t- line basis over their es<span class=\"_ _0\"></span>timated useful liv<span class=\"_ _0\"></span>es as<span class=\"_ gs2a\"> </span>follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>Computer softwar<span class=\"_ _0\"></span>e <span class=\"_ _1e8\"> </span>5-<span class=\"_ _2\"></span>7 years<span class=\"_ _35a\"> </span>Brand (included in Asset<span class=\"_ _0\"></span>s arising on Combination) <span class=\"_ _d9\"> </span>4 years<span class=\"_ _35a\"> </span>Brok<span class=\"_ _0\"></span>er relationships (included in Asset<span class=\"_ _0\"></span>s arising on Combination) <span class=\"_ _187\"> </span>5 years<span class=\"_ _35a\"> </span>For dev<span class=\"_ _0\"></span>elopment costs o<span class=\"_ _0\"></span>f assets that are under construc<span class=\"_ _0\"></span>tion, no amor<span class=\"_ _3\"></span>tisation is applied until the asset is available for use and is calculat<span class=\"_ _0\"></span>ed using a full month when available for use<span class=\"_ _0\"></span>. The Group re<span class=\"_ _0\"></span>views the amortisation period on an annual basis<span class=\"_ _0\"></span>. If the expected useful lif<span class=\"_ _0\"></span>e of an asset is different from pr<span class=\"_ _0\"></span>evious assessments<span class=\"_ _0\"></span>, the amortisation period is changed accordingly. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-420": {
   "value": "l) <span class=\"_ _b\"> </span>Intangible as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span>Purchased softw<span class=\"_ _0\"></span>are and costs dir<span class=\"_ _0\"></span>ectly associated with the dev<span class=\"_ _0\"></span>elopment of computer softw<span class=\"_ _0\"></span>are are capitalise<span class=\"_ _0\"></span>d as intangible assets where the so<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>tw<span class=\"_ _0\"></span>are is a unique and identifiable asset controlled by the Gr<span class=\"_ _0\"></span>oup and will generate future economic bene<span class=\"_ _0\"></span>fits. Cos<span class=\"_ _0\"></span>ts to est<span class=\"_ _0\"></span>ablish technological fe<span class=\"_ _0\"></span>asibility or to maintain exis<span class=\"_ _0\"></span>ting lev<span class=\"_ _0\"></span>els of performance are recognised as an expense<span class=\"_ _0\"></span>. The Group only recognises int<span class=\"_ _0\"></span>ernally generated int<span class=\"_ _0\"></span>angible assets if all of the follo<span class=\"_ _0\"></span>wing<span class=\"_ gs2a\"> </span>conditions are met:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>an asset is being created that can be iden<span class=\"_ _0\"></span>tified after establishing the technical and commercial feasibility o<span class=\"_ _0\"></span>f the resulting product;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>it is probable that the asset create<span class=\"_ _0\"></span>d will generate future economic benefit<span class=\"_ _0\"></span>s; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the developmen<span class=\"_ _0\"></span>t cost of the asset can be measur<span class=\"_ _0\"></span>ed reliably.<span class=\"_ _35a\"> </span>Subsequent e<span class=\"_ _0\"></span>xpenditure on an internally gener<span class=\"_ _0\"></span>ated intangible asset, after its pur<span class=\"_ _0\"></span>chase or completion, is recognised as an e<span class=\"_ _0\"></span>xpense in the period in which it is incurred. Where no internally gener<span class=\"_ _0\"></span>ated intangible asset c<span class=\"_ _0\"></span>an be recognised, dev<span class=\"_ _0\"></span>elopment expenditure is recognised as an e<span class=\"_ _0\"></span>xpense in the period in which it is incurred.<span class=\"_ _35a\"> </span>Software is on<span class=\"_ _0\"></span>ly recognised if:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>The Group has the contrac<span class=\"_ _0\"></span>tual right to tak<span class=\"_ _0\"></span>e possession of the softw<span class=\"_ _0\"></span>are during the hosting period without significant penalty; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>It is feasible for the Group t<span class=\"_ _0\"></span>o run the software on its o<span class=\"_ _0\"></span>wn hardw<span class=\"_ _0\"></span>are or contrac<span class=\"_ _0\"></span>t with a par<span class=\"_ _3\"></span>ty unrelated t<span class=\"_ _0\"></span>o the supplier to host the softw<span class=\"_ _0\"></span>are.<span class=\"_ _35a\"> </span>The costs o<span class=\"_ _0\"></span>f configuring or customising supplier application so<span class=\"_ _0\"></span>ftware in a Softwar<span class=\"_ _0\"></span>e-as-a-<span class=\"_ _35a\"> </span>Service (SaaS) arrangement that is determined t<span class=\"_ _0\"></span>o be a ser<span class=\"_ _3\"></span>vice contr<span class=\"_ _0\"></span>act is recognised as an expense or prepaymen<span class=\"_ _0\"></span>t. SaaS is an arrangement that pr<span class=\"_ _0\"></span>ovides the Group with the right t<span class=\"_ _0\"></span>o receive access t<span class=\"_ _0\"></span>o the supplier\u2019<span class=\"_ _0\"></span>s application softwar<span class=\"_ _0\"></span>e in the future which is treated as a service contr<span class=\"_ _0\"></span>act, rather than a softwar<span class=\"_ _0\"></span>e lease or the acquisition of a softwar<span class=\"_ _0\"></span>e intangible asset. Where the configuration and cus<span class=\"_ _0\"></span>tomisation services are not distinct fr<span class=\"_ _0\"></span>om the right to receive access to<span class=\"_ gs2a\"> </span>the softwar<span class=\"_ _0\"></span>e, then the cost<span class=\"_ _0\"></span>s are recognised as an e<span class=\"_ _0\"></span>xpense over the term o<span class=\"_ _0\"></span>f the arrangement. Intangible asset<span class=\"_ _0\"></span>s are revie<span class=\"_ _0\"></span>wed f<span class=\"_ _0\"></span>or impairment at least semi-annually, and if they ar<span class=\"_ _0\"></span>e considered to be impaired, ar<span class=\"_ _0\"></span>e written down immediat<span class=\"_ _0\"></span>ely to their recov<span class=\"_ _0\"></span>erable amounts<span class=\"_ _0\"></span>. Impairment losses previously r<span class=\"_ _0\"></span>ecognised for intangible asset<span class=\"_ _0\"></span>s, other than goodwill, are r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sed when there has been a change in the estimates use<span class=\"_ _0\"></span>d to determine the asset<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s recov<span class=\"_ _0\"></span>erable amount. An impairmen<span class=\"_ _0\"></span>t loss rev<span class=\"_ _0\"></span>ersal is recognise<span class=\"_ _0\"></span>d in the Consolidated Statement o<span class=\"_ _0\"></span>f Comprehensive Income and the carrying amount of the asset is incr<span class=\"_ _0\"></span>eased to its reco<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>able amount.<span class=\"_ _35a\"> </span>Intangible asset<span class=\"_ _0\"></span>s are amortised on a straigh<span class=\"_ _0\"></span>t- line basis over their es<span class=\"_ _0\"></span>timated useful liv<span class=\"_ _0\"></span>es as<span class=\"_ gs2a\"> </span>follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>Computer softwar<span class=\"_ _0\"></span>e <span class=\"_ _1e8\"> </span>5-<span class=\"_ _2\"></span>7 years<span class=\"_ _35a\"> </span>Brand (included in Asset<span class=\"_ _0\"></span>s arising on Combination) <span class=\"_ _d9\"> </span>4 years<span class=\"_ _35a\"> </span>Brok<span class=\"_ _0\"></span>er relationships (included in Asset<span class=\"_ _0\"></span>s arising on Combination) <span class=\"_ _187\"> </span>5 years<span class=\"_ _35a\"> </span>For dev<span class=\"_ _0\"></span>elopment costs o<span class=\"_ _0\"></span>f assets that are under construc<span class=\"_ _0\"></span>tion, no amor<span class=\"_ _3\"></span>tisation is applied until the asset is available for use and is calculat<span class=\"_ _0\"></span>ed using a full month when available for use<span class=\"_ _0\"></span>. The Group re<span class=\"_ _0\"></span>views the amortisation period on an annual basis<span class=\"_ _0\"></span>. If the expected useful lif<span class=\"_ _0\"></span>e of an asset is different from pr<span class=\"_ _0\"></span>evious assessments<span class=\"_ _0\"></span>, the amortisation period is changed accordingly. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-537": {
   "value": "m<span class=\"_ _0\"></span>) <span class=\"_ _10\"> </span>Financial ins<span class=\"_ _3\"></span>truments<span class=\"_ _35a\"> </span>i. Recognition<span class=\"_ _35a\"> </span>The Group initially recognises lo<span class=\"_ _0\"></span>ans and advances, deposits<span class=\"_ _0\"></span>, debt securities issued, senior notes and subor<span class=\"_ _0\"></span>dinated liabilities on the date on which they are originated or ac<span class=\"_ _0\"></span>quired. All<span class=\"_ gs2a\"> </span>other financial instrumen<span class=\"_ _0\"></span>ts are accounted f<span class=\"_ _0\"></span>or on the trade date which is when the Group<span class=\"_ gs2a\"> </span>becomes a party to the contrac<span class=\"_ _0\"></span>tual provisions of the ins<span class=\"_ _0\"></span>trument. For financial instrumen<span class=\"_ _0\"></span>ts classified as amortised cost or FV<span class=\"_ _0\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _0\"></span>alue plus transaction income or costs that ar<span class=\"_ _0\"></span>e directly attributable to it<span class=\"_ _0\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _0\"></span>truments classified as amortised cost are subsequen<span class=\"_ _0\"></span>tly measured using the EIR method. T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansaction costs directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial ins<span class=\"_ _0\"></span>trument at<span class=\"_ gs2a\"> </span>FV<span class=\"_ _3\"></span>TPL ar<span class=\"_ _0\"></span>e recognised in pro<span class=\"_ _0\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _35a\"> </span>The Group classifies financial ins<span class=\"_ _0\"></span>truments based on the business model and the contr<span class=\"_ _0\"></span>actual cash flow char<span class=\"_ _0\"></span>acteris<span class=\"_ _0\"></span>tics of the financial instrument<span class=\"_ _0\"></span>s. In accordance with IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>, the Group classifies financial assets int<span class=\"_ _0\"></span>o one of three measurement c<span class=\"_ _0\"></span>ategories:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t \u2013 assets in a business model to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash flows<span class=\"_ _0\"></span>, where the contr<span class=\"_ _0\"></span>actual terms of the financial asset give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are solely payment<span class=\"_ _0\"></span>s of principal and interes<span class=\"_ _0\"></span>t (SPPI) on<span class=\"_ gs2a\"> </span>the<span class=\"_ gs2a\"> </span>principal amount outs<span class=\"_ _0\"></span>tanding. \u2022 <span class=\"_ _15\"> </span>FVOCI \u2013 assets held in a business model which collect<span class=\"_ _0\"></span>s contractual cash flo<span class=\"_ _0\"></span>ws and sells financial assets<span class=\"_ _0\"></span>, where the contractual t<span class=\"_ _0\"></span>erms of the financial assets give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing. \u2022 <span class=\"_ _15\"> </span>FV<span class=\"_ _3\"></span>TPL \u2013 assets not me<span class=\"_ _0\"></span>asured at amortised cost or FV<span class=\"_ _0\"></span>OCI. The Group measures derivativ<span class=\"_ _0\"></span>es, an acquired mortgage portfolio and some inv<span class=\"_ _0\"></span>estment securities under this c<span class=\"_ _0\"></span>ategory. The Group reassesses it<span class=\"_ _0\"></span>s business models each reporting period.<span class=\"_ _35a\"> </span>The Group classifies non-derivativ<span class=\"_ _0\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _35a\"> </span>The Group classifies certain financial instrumen<span class=\"_ _0\"></span>ts as equity where they meet the follo<span class=\"_ _0\"></span>wing conditions:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument includes no con<span class=\"_ _0\"></span>tractual obligation to deliv<span class=\"_ _0\"></span>er cash or another financial asset on potentially unf<span class=\"_ _0\"></span>avourable conditions;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a non-deriv<span class=\"_ _0\"></span>ative that includes no contr<span class=\"_ _0\"></span>actual obligation for the issuer to deliver a v<span class=\"_ _0\"></span>ariable number of its own e<span class=\"_ _0\"></span>quity instruments; or<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a deriv<span class=\"_ _0\"></span>ative that will be settled only by the issuer ex<span class=\"_ _0\"></span>changing a fixed amoun<span class=\"_ _0\"></span>t of cash or another financial asset for a fixe<span class=\"_ _0\"></span>d number of its own equity<span class=\"_ gs2a\"> </span>instrumen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s sources of debt funding ar<span class=\"_ _0\"></span>e deposits from ret<span class=\"_ _0\"></span>ail customer<span class=\"_ _0\"></span>s and credit institutions<span class=\"_ _0\"></span>, including collateralise<span class=\"_ _0\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _2\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _0\"></span>or SMEs (<span class=\"_ _3\"></span>TFSME), asset-back<span class=\"_ _0\"></span>ed loan notes issued through the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation pro<span class=\"_ _0\"></span>grammes, subor<span class=\"_ _0\"></span>dinated liabilities and senior notes<span class=\"_ _0\"></span>. Cash receive<span class=\"_ _0\"></span>d under the TFSME is recorded in amoun<span class=\"_ _0\"></span>ts ow<span class=\"_ _0\"></span>ed to credit ins<span class=\"_ _0\"></span>titutions. Financial liabilities, including T<span class=\"_ _0\"></span>ier 2 instruments<span class=\"_ _0\"></span>, are classified as such wher<span class=\"_ _0\"></span>e the terms allow no absolute discretion<span class=\"_ gs2a\"> </span>o<span class=\"_ _0\"></span>ver the payment of in<span class=\"_ _0\"></span>terest. During the year equity financial ins<span class=\"_ _0\"></span>truments comprised own shar<span class=\"_ _0\"></span>es and A<span class=\"_ _0\"></span>T1 securities. A<span class=\"_ _2\"></span>T1 securities are designated as equity ins<span class=\"_ _0\"></span>truments and r<span class=\"_ _0\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _0\"></span>al costs directly attribut<span class=\"_ _0\"></span>able to the issuance of equity instrumen<span class=\"_ _0\"></span>ts. Accor<span class=\"_ _0\"></span>dingly, the coupons paid on A<span class=\"_ _0\"></span>T1 securities are recognise<span class=\"_ _0\"></span>d directly in retained earnings when paid.<span class=\"_ _35a\"> </span>iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span>The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span>The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span>Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>v<span class=\"_ _0\"></span>. <span class=\"_ _c\"> </span>Amor<span class=\"_ _3\"></span>tised cost measurement<span class=\"_ _35a\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _0\"></span>t at which the financial asset or financial liability is measured at initial r<span class=\"_ _0\"></span>ecognition, less principal payments or receipts<span class=\"_ _0\"></span>, plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _0\"></span>een the initial amount recognise<span class=\"_ _0\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _0\"></span>t of<span class=\"_ gs2a\"> </span>assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span>Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span>The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span>The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span>The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span>Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span>The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span>At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span>Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span>The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. \u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage 2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span>The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span>The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span>The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span>The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span>The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span>Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span>Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span>Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intercompany loans<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-532": {
   "value": "m<span class=\"_ _0\"></span>) <span class=\"_ _10\"> </span>Financial ins<span class=\"_ _3\"></span>truments<span class=\"_ _35a\"> </span>i. Recognition<span class=\"_ _35a\"> </span>The Group initially recognises lo<span class=\"_ _0\"></span>ans and advances, deposits<span class=\"_ _0\"></span>, debt securities issued, senior notes and subor<span class=\"_ _0\"></span>dinated liabilities on the date on which they are originated or ac<span class=\"_ _0\"></span>quired. All<span class=\"_ gs2a\"> </span>other financial instrumen<span class=\"_ _0\"></span>ts are accounted f<span class=\"_ _0\"></span>or on the trade date which is when the Group<span class=\"_ gs2a\"> </span>becomes a party to the contrac<span class=\"_ _0\"></span>tual provisions of the ins<span class=\"_ _0\"></span>trument. For financial instrumen<span class=\"_ _0\"></span>ts classified as amortised cost or FV<span class=\"_ _0\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _0\"></span>alue plus transaction income or costs that ar<span class=\"_ _0\"></span>e directly attributable to it<span class=\"_ _0\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _0\"></span>truments classified as amortised cost are subsequen<span class=\"_ _0\"></span>tly measured using the EIR method. T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansaction costs directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial ins<span class=\"_ _0\"></span>trument at<span class=\"_ gs2a\"> </span>FV<span class=\"_ _3\"></span>TPL ar<span class=\"_ _0\"></span>e recognised in pro<span class=\"_ _0\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _35a\"> </span>The Group classifies financial ins<span class=\"_ _0\"></span>truments based on the business model and the contr<span class=\"_ _0\"></span>actual cash flow char<span class=\"_ _0\"></span>acteris<span class=\"_ _0\"></span>tics of the financial instrument<span class=\"_ _0\"></span>s. In accordance with IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>, the Group classifies financial assets int<span class=\"_ _0\"></span>o one of three measurement c<span class=\"_ _0\"></span>ategories:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t \u2013 assets in a business model to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash flows<span class=\"_ _0\"></span>, where the contr<span class=\"_ _0\"></span>actual terms of the financial asset give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are solely payment<span class=\"_ _0\"></span>s of principal and interes<span class=\"_ _0\"></span>t (SPPI) on<span class=\"_ gs2a\"> </span>the<span class=\"_ gs2a\"> </span>principal amount outs<span class=\"_ _0\"></span>tanding. \u2022 <span class=\"_ _15\"> </span>FVOCI \u2013 assets held in a business model which collect<span class=\"_ _0\"></span>s contractual cash flo<span class=\"_ _0\"></span>ws and sells financial assets<span class=\"_ _0\"></span>, where the contractual t<span class=\"_ _0\"></span>erms of the financial assets give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing. \u2022 <span class=\"_ _15\"> </span>FV<span class=\"_ _3\"></span>TPL \u2013 assets not me<span class=\"_ _0\"></span>asured at amortised cost or FV<span class=\"_ _0\"></span>OCI. The Group measures derivativ<span class=\"_ _0\"></span>es, an acquired mortgage portfolio and some inv<span class=\"_ _0\"></span>estment securities under this c<span class=\"_ _0\"></span>ategory. The Group reassesses it<span class=\"_ _0\"></span>s business models each reporting period.<span class=\"_ _35a\"> </span>The Group classifies non-derivativ<span class=\"_ _0\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _35a\"> </span>The Group classifies certain financial instrumen<span class=\"_ _0\"></span>ts as equity where they meet the follo<span class=\"_ _0\"></span>wing conditions:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument includes no con<span class=\"_ _0\"></span>tractual obligation to deliv<span class=\"_ _0\"></span>er cash or another financial asset on potentially unf<span class=\"_ _0\"></span>avourable conditions;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a non-deriv<span class=\"_ _0\"></span>ative that includes no contr<span class=\"_ _0\"></span>actual obligation for the issuer to deliver a v<span class=\"_ _0\"></span>ariable number of its own e<span class=\"_ _0\"></span>quity instruments; or<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a deriv<span class=\"_ _0\"></span>ative that will be settled only by the issuer ex<span class=\"_ _0\"></span>changing a fixed amoun<span class=\"_ _0\"></span>t of cash or another financial asset for a fixe<span class=\"_ _0\"></span>d number of its own equity<span class=\"_ gs2a\"> </span>instrumen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s sources of debt funding ar<span class=\"_ _0\"></span>e deposits from ret<span class=\"_ _0\"></span>ail customer<span class=\"_ _0\"></span>s and credit institutions<span class=\"_ _0\"></span>, including collateralise<span class=\"_ _0\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _2\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _0\"></span>or SMEs (<span class=\"_ _3\"></span>TFSME), asset-back<span class=\"_ _0\"></span>ed loan notes issued through the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation pro<span class=\"_ _0\"></span>grammes, subor<span class=\"_ _0\"></span>dinated liabilities and senior notes<span class=\"_ _0\"></span>. Cash receive<span class=\"_ _0\"></span>d under the TFSME is recorded in amoun<span class=\"_ _0\"></span>ts ow<span class=\"_ _0\"></span>ed to credit ins<span class=\"_ _0\"></span>titutions. Financial liabilities, including T<span class=\"_ _0\"></span>ier 2 instruments<span class=\"_ _0\"></span>, are classified as such wher<span class=\"_ _0\"></span>e the terms allow no absolute discretion<span class=\"_ gs2a\"> </span>o<span class=\"_ _0\"></span>ver the payment of in<span class=\"_ _0\"></span>terest. During the year equity financial ins<span class=\"_ _0\"></span>truments comprised own shar<span class=\"_ _0\"></span>es and A<span class=\"_ _0\"></span>T1 securities. A<span class=\"_ _2\"></span>T1 securities are designated as equity ins<span class=\"_ _0\"></span>truments and r<span class=\"_ _0\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _0\"></span>al costs directly attribut<span class=\"_ _0\"></span>able to the issuance of equity instrumen<span class=\"_ _0\"></span>ts. Accor<span class=\"_ _0\"></span>dingly, the coupons paid on A<span class=\"_ _0\"></span>T1 securities are recognise<span class=\"_ _0\"></span>d directly in retained earnings when paid.<span class=\"_ _35a\"> </span>iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span>The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span>The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span>Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>v<span class=\"_ _0\"></span>. <span class=\"_ _c\"> </span>Amor<span class=\"_ _3\"></span>tised cost measurement<span class=\"_ _35a\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _0\"></span>t at which the financial asset or financial liability is measured at initial r<span class=\"_ _0\"></span>ecognition, less principal payments or receipts<span class=\"_ _0\"></span>, plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _0\"></span>een the initial amount recognise<span class=\"_ _0\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _0\"></span>t of<span class=\"_ gs2a\"> </span>assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span>Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span>The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span>The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span>The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span>Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span>The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span>At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span>Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span>The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. \u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage 2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span>The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span>The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span>The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span>The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span>The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span>Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span>Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span>Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intercompany loans<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-503": {
   "value": "m<span class=\"_ _0\"></span>) <span class=\"_ _10\"> </span>Financial ins<span class=\"_ _3\"></span>truments<span class=\"_ _35a\"> </span>i. Recognition<span class=\"_ _35a\"> </span>The Group initially recognises lo<span class=\"_ _0\"></span>ans and advances, deposits<span class=\"_ _0\"></span>, debt securities issued, senior notes and subor<span class=\"_ _0\"></span>dinated liabilities on the date on which they are originated or ac<span class=\"_ _0\"></span>quired. All<span class=\"_ gs2a\"> </span>other financial instrumen<span class=\"_ _0\"></span>ts are accounted f<span class=\"_ _0\"></span>or on the trade date which is when the Group<span class=\"_ gs2a\"> </span>becomes a party to the contrac<span class=\"_ _0\"></span>tual provisions of the ins<span class=\"_ _0\"></span>trument. For financial instrumen<span class=\"_ _0\"></span>ts classified as amortised cost or FV<span class=\"_ _0\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _0\"></span>alue plus transaction income or costs that ar<span class=\"_ _0\"></span>e directly attributable to it<span class=\"_ _0\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _0\"></span>truments classified as amortised cost are subsequen<span class=\"_ _0\"></span>tly measured using the EIR method. T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansaction costs directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial ins<span class=\"_ _0\"></span>trument at<span class=\"_ gs2a\"> </span>FV<span class=\"_ _3\"></span>TPL ar<span class=\"_ _0\"></span>e recognised in pro<span class=\"_ _0\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _35a\"> </span>The Group classifies financial ins<span class=\"_ _0\"></span>truments based on the business model and the contr<span class=\"_ _0\"></span>actual cash flow char<span class=\"_ _0\"></span>acteris<span class=\"_ _0\"></span>tics of the financial instrument<span class=\"_ _0\"></span>s. In accordance with IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>, the Group classifies financial assets int<span class=\"_ _0\"></span>o one of three measurement c<span class=\"_ _0\"></span>ategories:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t \u2013 assets in a business model to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash flows<span class=\"_ _0\"></span>, where the contr<span class=\"_ _0\"></span>actual terms of the financial asset give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are solely payment<span class=\"_ _0\"></span>s of principal and interes<span class=\"_ _0\"></span>t (SPPI) on<span class=\"_ gs2a\"> </span>the<span class=\"_ gs2a\"> </span>principal amount outs<span class=\"_ _0\"></span>tanding. \u2022 <span class=\"_ _15\"> </span>FVOCI \u2013 assets held in a business model which collect<span class=\"_ _0\"></span>s contractual cash flo<span class=\"_ _0\"></span>ws and sells financial assets<span class=\"_ _0\"></span>, where the contractual t<span class=\"_ _0\"></span>erms of the financial assets give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing. \u2022 <span class=\"_ _15\"> </span>FV<span class=\"_ _3\"></span>TPL \u2013 assets not me<span class=\"_ _0\"></span>asured at amortised cost or FV<span class=\"_ _0\"></span>OCI. The Group measures derivativ<span class=\"_ _0\"></span>es, an acquired mortgage portfolio and some inv<span class=\"_ _0\"></span>estment securities under this c<span class=\"_ _0\"></span>ategory. The Group reassesses it<span class=\"_ _0\"></span>s business models each reporting period.<span class=\"_ _35a\"> </span>The Group classifies non-derivativ<span class=\"_ _0\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _35a\"> </span>The Group classifies certain financial instrumen<span class=\"_ _0\"></span>ts as equity where they meet the follo<span class=\"_ _0\"></span>wing conditions:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument includes no con<span class=\"_ _0\"></span>tractual obligation to deliv<span class=\"_ _0\"></span>er cash or another financial asset on potentially unf<span class=\"_ _0\"></span>avourable conditions;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a non-deriv<span class=\"_ _0\"></span>ative that includes no contr<span class=\"_ _0\"></span>actual obligation for the issuer to deliver a v<span class=\"_ _0\"></span>ariable number of its own e<span class=\"_ _0\"></span>quity instruments; or<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a deriv<span class=\"_ _0\"></span>ative that will be settled only by the issuer ex<span class=\"_ _0\"></span>changing a fixed amoun<span class=\"_ _0\"></span>t of cash or another financial asset for a fixe<span class=\"_ _0\"></span>d number of its own equity<span class=\"_ gs2a\"> </span>instrumen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s sources of debt funding ar<span class=\"_ _0\"></span>e deposits from ret<span class=\"_ _0\"></span>ail customer<span class=\"_ _0\"></span>s and credit institutions<span class=\"_ _0\"></span>, including collateralise<span class=\"_ _0\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _2\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _0\"></span>or SMEs (<span class=\"_ _3\"></span>TFSME), asset-back<span class=\"_ _0\"></span>ed loan notes issued through the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation pro<span class=\"_ _0\"></span>grammes, subor<span class=\"_ _0\"></span>dinated liabilities and senior notes<span class=\"_ _0\"></span>. Cash receive<span class=\"_ _0\"></span>d under the TFSME is recorded in amoun<span class=\"_ _0\"></span>ts ow<span class=\"_ _0\"></span>ed to credit ins<span class=\"_ _0\"></span>titutions. Financial liabilities, including T<span class=\"_ _0\"></span>ier 2 instruments<span class=\"_ _0\"></span>, are classified as such wher<span class=\"_ _0\"></span>e the terms allow no absolute discretion<span class=\"_ gs2a\"> </span>o<span class=\"_ _0\"></span>ver the payment of in<span class=\"_ _0\"></span>terest. During the year equity financial ins<span class=\"_ _0\"></span>truments comprised own shar<span class=\"_ _0\"></span>es and A<span class=\"_ _0\"></span>T1 securities. A<span class=\"_ _2\"></span>T1 securities are designated as equity ins<span class=\"_ _0\"></span>truments and r<span class=\"_ _0\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _0\"></span>al costs directly attribut<span class=\"_ _0\"></span>able to the issuance of equity instrumen<span class=\"_ _0\"></span>ts. Accor<span class=\"_ _0\"></span>dingly, the coupons paid on A<span class=\"_ _0\"></span>T1 securities are recognise<span class=\"_ _0\"></span>d directly in retained earnings when paid.<span class=\"_ _35a\"> </span>iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span>The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span>The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span>Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>v<span class=\"_ _0\"></span>. <span class=\"_ _c\"> </span>Amor<span class=\"_ _3\"></span>tised cost measurement<span class=\"_ _35a\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _0\"></span>t at which the financial asset or financial liability is measured at initial r<span class=\"_ _0\"></span>ecognition, less principal payments or receipts<span class=\"_ _0\"></span>, plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _0\"></span>een the initial amount recognise<span class=\"_ _0\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _0\"></span>t of<span class=\"_ gs2a\"> </span>assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span>Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span>The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span>The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span>The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span>Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span>The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span>At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span>Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span>The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. \u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage 2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span>The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span>The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span>The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span>The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span>The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span>Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span>Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span>Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intercompany loans<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>w) L<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s leases are pr<span class=\"_ _0\"></span>edominantly for property leases where the Gr<span class=\"_ _0\"></span>oup is a lessee. At lease commencement date<span class=\"_ _0\"></span>, the Group recognises the right-o<span class=\"_ _0\"></span>f-use asset and lease liability on the st<span class=\"_ _0\"></span>atement of financial position, ex<span class=\"_ _0\"></span>cept for leases of lo<span class=\"_ _0\"></span>w-<span class=\"_ _0\"></span>value assets and short-term leases of 12 months or less ar<span class=\"_ _0\"></span>e recognised directly in pro<span class=\"_ _0\"></span>fit or loss on a straigh<span class=\"_ _0\"></span>t-line basis over the lease<span class=\"_ gs2a\"> </span>term.<span class=\"_ _35a\"> </span>Le<span class=\"_ _0\"></span>ase liability payments are recognise<span class=\"_ _0\"></span>d within financing activities in the Consolidated Statemen<span class=\"_ _0\"></span>t of Cash Flows<span class=\"_ _0\"></span>. The Group assesses the lik<span class=\"_ _0\"></span>ely impact of early t<span class=\"_ _0\"></span>erminations in recognising the right-of-use asset and lease liability where an option to t<span class=\"_ _0\"></span>erminate early exis<span class=\"_ _0\"></span>ts. For modifications that increase the length o<span class=\"_ _0\"></span>f a lease; the modified lease term is determine<span class=\"_ _0\"></span>d, and the lease liability remeasur<span class=\"_ _0\"></span>ed by discounting the revise<span class=\"_ _0\"></span>d lease payments using a re<span class=\"_ _0\"></span>vised discount r<span class=\"_ _0\"></span>ate, at the effective date o<span class=\"_ _0\"></span>f the lease modification; a corresponding adjus<span class=\"_ _0\"></span>tment is made to the right-o<span class=\"_ _0\"></span>f-use asset. Where modifications decrease the length of a le<span class=\"_ _0\"></span>ase, the lease liability and right-of-use asset ar<span class=\"_ _0\"></span>e reduced in proportion to the reduction in the le<span class=\"_ _0\"></span>ase term, with any gain or loss recognised in pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-421": {
   "value": "m<span class=\"_ _0\"></span>) <span class=\"_ _10\"> </span>Financial ins<span class=\"_ _3\"></span>truments<span class=\"_ _35a\"> </span>i. Recognition<span class=\"_ _35a\"> </span>The Group initially recognises lo<span class=\"_ _0\"></span>ans and advances, deposits<span class=\"_ _0\"></span>, debt securities issued, senior notes and subor<span class=\"_ _0\"></span>dinated liabilities on the date on which they are originated or ac<span class=\"_ _0\"></span>quired. All<span class=\"_ gs2a\"> </span>other financial instrumen<span class=\"_ _0\"></span>ts are accounted f<span class=\"_ _0\"></span>or on the trade date which is when the Group<span class=\"_ gs2a\"> </span>becomes a party to the contrac<span class=\"_ _0\"></span>tual provisions of the ins<span class=\"_ _0\"></span>trument. For financial instrumen<span class=\"_ _0\"></span>ts classified as amortised cost or FV<span class=\"_ _0\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _0\"></span>alue plus transaction income or costs that ar<span class=\"_ _0\"></span>e directly attributable to it<span class=\"_ _0\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _0\"></span>truments classified as amortised cost are subsequen<span class=\"_ _0\"></span>tly measured using the EIR method. T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansaction costs directly attribut<span class=\"_ _0\"></span>able to the acquisition or issue of a financial ins<span class=\"_ _0\"></span>trument at<span class=\"_ gs2a\"> </span>FV<span class=\"_ _3\"></span>TPL ar<span class=\"_ _0\"></span>e recognised in pro<span class=\"_ _0\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _35a\"> </span>The Group classifies financial ins<span class=\"_ _0\"></span>truments based on the business model and the contr<span class=\"_ _0\"></span>actual cash flow char<span class=\"_ _0\"></span>acteris<span class=\"_ _0\"></span>tics of the financial instrument<span class=\"_ _0\"></span>s. In accordance with IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>, the Group classifies financial assets int<span class=\"_ _0\"></span>o one of three measurement c<span class=\"_ _0\"></span>ategories:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t \u2013 assets in a business model to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash flows<span class=\"_ _0\"></span>, where the contr<span class=\"_ _0\"></span>actual terms of the financial asset give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are solely payment<span class=\"_ _0\"></span>s of principal and interes<span class=\"_ _0\"></span>t (SPPI) on<span class=\"_ gs2a\"> </span>the<span class=\"_ gs2a\"> </span>principal amount outs<span class=\"_ _0\"></span>tanding. \u2022 <span class=\"_ _15\"> </span>FVOCI \u2013 assets held in a business model which collect<span class=\"_ _0\"></span>s contractual cash flo<span class=\"_ _0\"></span>ws and sells financial assets<span class=\"_ _0\"></span>, where the contractual t<span class=\"_ _0\"></span>erms of the financial assets give rise on specified dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing. \u2022 <span class=\"_ _15\"> </span>FV<span class=\"_ _3\"></span>TPL \u2013 assets not me<span class=\"_ _0\"></span>asured at amortised cost or FV<span class=\"_ _0\"></span>OCI. The Group measures derivativ<span class=\"_ _0\"></span>es, an acquired mortgage portfolio and some inv<span class=\"_ _0\"></span>estment securities under this c<span class=\"_ _0\"></span>ategory. The Group reassesses it<span class=\"_ _0\"></span>s business models each reporting period.<span class=\"_ _35a\"> </span>The Group classifies non-derivativ<span class=\"_ _0\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _35a\"> </span>The Group classifies certain financial instrumen<span class=\"_ _0\"></span>ts as equity where they meet the follo<span class=\"_ _0\"></span>wing conditions:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument includes no con<span class=\"_ _0\"></span>tractual obligation to deliv<span class=\"_ _0\"></span>er cash or another financial asset on potentially unf<span class=\"_ _0\"></span>avourable conditions;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a non-deriv<span class=\"_ _0\"></span>ative that includes no contr<span class=\"_ _0\"></span>actual obligation for the issuer to deliver a v<span class=\"_ _0\"></span>ariable number of its own e<span class=\"_ _0\"></span>quity instruments; or<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the financial instrument is a deriv<span class=\"_ _0\"></span>ative that will be settled only by the issuer ex<span class=\"_ _0\"></span>changing a fixed amoun<span class=\"_ _0\"></span>t of cash or another financial asset for a fixe<span class=\"_ _0\"></span>d number of its own equity<span class=\"_ gs2a\"> </span>instrumen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s sources of debt funding ar<span class=\"_ _0\"></span>e deposits from ret<span class=\"_ _0\"></span>ail customer<span class=\"_ _0\"></span>s and credit institutions<span class=\"_ _0\"></span>, including collateralise<span class=\"_ _0\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _2\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _0\"></span>or SMEs (<span class=\"_ _3\"></span>TFSME), asset-back<span class=\"_ _0\"></span>ed loan notes issued through the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation pro<span class=\"_ _0\"></span>grammes, subor<span class=\"_ _0\"></span>dinated liabilities and senior notes<span class=\"_ _0\"></span>. Cash receive<span class=\"_ _0\"></span>d under the TFSME is recorded in amoun<span class=\"_ _0\"></span>ts ow<span class=\"_ _0\"></span>ed to credit ins<span class=\"_ _0\"></span>titutions. Financial liabilities, including T<span class=\"_ _0\"></span>ier 2 instruments<span class=\"_ _0\"></span>, are classified as such wher<span class=\"_ _0\"></span>e the terms allow no absolute discretion<span class=\"_ gs2a\"> </span>o<span class=\"_ _0\"></span>ver the payment of in<span class=\"_ _0\"></span>terest. During the year equity financial ins<span class=\"_ _0\"></span>truments comprised own shar<span class=\"_ _0\"></span>es and A<span class=\"_ _0\"></span>T1 securities. A<span class=\"_ _2\"></span>T1 securities are designated as equity ins<span class=\"_ _0\"></span>truments and r<span class=\"_ _0\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _0\"></span>al costs directly attribut<span class=\"_ _0\"></span>able to the issuance of equity instrumen<span class=\"_ _0\"></span>ts. Accor<span class=\"_ _0\"></span>dingly, the coupons paid on A<span class=\"_ _0\"></span>T1 securities are recognise<span class=\"_ _0\"></span>d directly in retained earnings when paid.<span class=\"_ _35a\"> </span>iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span>The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span>The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span>Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>v<span class=\"_ _0\"></span>. <span class=\"_ _c\"> </span>Amor<span class=\"_ _3\"></span>tised cost measurement<span class=\"_ _35a\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _0\"></span>t at which the financial asset or financial liability is measured at initial r<span class=\"_ _0\"></span>ecognition, less principal payments or receipts<span class=\"_ _0\"></span>, plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _0\"></span>een the initial amount recognise<span class=\"_ _0\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _0\"></span>t of<span class=\"_ gs2a\"> </span>assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span>Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span>The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span>The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span>The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span>Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span>The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span>At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span>Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span>The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. \u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage 2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span>The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span>The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span>The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span>The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span>The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span>Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span>Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span>Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intercompany loans<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>n<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to custo<span class=\"_ _3\"></span>mers<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s are predominan<span class=\"_ _0\"></span>tly mor<span class=\"_ _3\"></span>tgage loans and adv<span class=\"_ _0\"></span>ances to cust<span class=\"_ _0\"></span>omers with fixed or determinable paymen<span class=\"_ _0\"></span>ts that are not quoted in an ac<span class=\"_ _0\"></span>tive mark<span class=\"_ _0\"></span>et and that the Group does not int<span class=\"_ _0\"></span>end to sell in the near term. They are initially recor<span class=\"_ _0\"></span>ded at fair value plus any directly attributable tr<span class=\"_ _0\"></span>ansaction costs and ar<span class=\"_ _0\"></span>e subsequently measured at amortised cost using the EIR method, less impairmen<span class=\"_ _0\"></span>t losses. Where e<span class=\"_ _0\"></span>xposures are hedged by deriv<span class=\"_ _0\"></span>atives, designated and qualifying as fair v<span class=\"_ _0\"></span>alue hedges, the fair v<span class=\"_ _0\"></span>alue adjustment for the he<span class=\"_ _0\"></span>dged risk to the carrying value o<span class=\"_ _0\"></span>f the hedged loans and advances is reported in fair v<span class=\"_ _0\"></span>alue adjustments for hedged asset<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and the related pro<span class=\"_ _0\"></span>vision are written off when there is a shortfall remaining after the underlying security is sold. Subsequent reco<span class=\"_ _0\"></span>veries of amoun<span class=\"_ _0\"></span>ts previously written o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f are tak<span class=\"_ _0\"></span>en through pro<span class=\"_ _0\"></span>fit or loss.<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s ov<span class=\"_ _0\"></span>er which the Group transfer<span class=\"_ _0\"></span>s its rights t<span class=\"_ _0\"></span>o the collateral thereon to the BoE under the TFSME and Inde<span class=\"_ _0\"></span>x Long-<span class=\"_ _2\"></span>T<span class=\"_ _2\"></span>erm Repo (IL<span class=\"_ _0\"></span>TR) schemes are not derecognised fr<span class=\"_ _0\"></span>om the Consolidated Statement o<span class=\"_ _0\"></span>f Financial Position, as the Group retains subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership, including all cash flo<span class=\"_ _0\"></span>ws arising from the loans and advances and exposur<span class=\"_ _0\"></span>e to credit risk. The Gr<span class=\"_ _0\"></span>oup classifies TFSME and IL<span class=\"_ _2\"></span>TR as amortised cost under IFRS 9 Financial Ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s include a small acquired mortgage portfolio where the contr<span class=\"_ _0\"></span>actual cash flows include payment<span class=\"_ _0\"></span>s that are not SPPI and as such are measure<span class=\"_ _0\"></span>d at FV<span class=\"_ _3\"></span>TPL. Lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s include the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s asset finance lease lending. Finance leases are initially measur<span class=\"_ _0\"></span>ed at an amount equal to the net in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the lease, using the inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e implicit in the finance lease. Direct cos<span class=\"_ _0\"></span>ts are included in the initial measur<span class=\"_ _0\"></span>ement of the net inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t in the lease and reduce the amount of income r<span class=\"_ _0\"></span>ecognised over the lease term. Finance income is recognised o<span class=\"_ _0\"></span>ver the lease term, base<span class=\"_ _0\"></span>d on a pattern reflecting a<span class=\"_ gs2a\"> </span>constan<span class=\"_ _0\"></span>t periodic rate o<span class=\"_ _0\"></span>f return on the net inv<span class=\"_ _0\"></span>estment in the lease<span class=\"_ _0\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-474": {
   "value": "iii. Derec<span class=\"_ _3\"></span>ognition<span class=\"_ _35a\"> </span>The Group offers r<span class=\"_ _0\"></span>efinancing options to cus<span class=\"_ _0\"></span>tomers at which point the original mortgage asset is derecognised and a ne<span class=\"_ _0\"></span>w financial asset is recognised.<span class=\"_ _35a\"> </span>The forbear<span class=\"_ _0\"></span>ance measures offered by the Group ar<span class=\"_ _0\"></span>e considered a modification ev<span class=\"_ _0\"></span>ent as the contr<span class=\"_ _0\"></span>actual cash flows are r<span class=\"_ _0\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _0\"></span>s the renegotiate<span class=\"_ _0\"></span>d or modified cash flows ar<span class=\"_ _0\"></span>e not a substan<span class=\"_ _0\"></span>tial modification from the contr<span class=\"_ _0\"></span>actual cash flow<span class=\"_ _0\"></span>s and does not consider that forbearance measur<span class=\"_ _0\"></span>es give rise to a derecognition e<span class=\"_ _0\"></span>vent. Securitisations lead to derecognition o<span class=\"_ _0\"></span>f the associated mortgage pool where the Group transf<span class=\"_ _0\"></span>ers its right t<span class=\"_ _0\"></span>o receive cash flo<span class=\"_ _0\"></span>ws from the mortgages or assumes an obligation to pay these cash flow<span class=\"_ _0\"></span>s to a third party in a qualifying \u2018<span class=\"_ _0\"></span>pass-through arr<span class=\"_ _0\"></span>angement\u2019 and tr<span class=\"_ _0\"></span>ansfers subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the pool to a thir<span class=\"_ _0\"></span>d party. In assessing this latter point, the Gr<span class=\"_ _0\"></span>oup compares its exposure t<span class=\"_ _0\"></span>o variability on any retained in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t in the securitisation structur<span class=\"_ _0\"></span>e to that on the underlying mortgages.<span class=\"_ _35a\"> </span>Financial liabilities are derecognise<span class=\"_ _0\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs2a\"> </span>expire<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-522": {
   "value": "iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-475": {
   "value": "iv<span class=\"_ _0\"></span>. Off<span class=\"_ _3\"></span>setting<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>es are cov<span class=\"_ _0\"></span>ered by industry s<span class=\"_ _0\"></span>tandard mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s. Mast<span class=\"_ _0\"></span>er<span class=\"_ gs2a\"> </span>netting agreements cre<span class=\"_ _0\"></span>ate a right of set-off that becomes enforceable only f<span class=\"_ _0\"></span>ollowing a<span class=\"_ gs2a\"> </span>specified ev<span class=\"_ _0\"></span>ent of def<span class=\"_ _0\"></span>ault or in other circumstances not e<span class=\"_ _0\"></span>xpected to arise in the normal course of business<span class=\"_ _0\"></span>. These arrangemen<span class=\"_ _0\"></span>ts do not qualify for offsetting and as such the Group reports derivativ<span class=\"_ _0\"></span>es on a gross basis. Collateral in r<span class=\"_ _0\"></span>espect of derivatives is subject t<span class=\"_ _0\"></span>o the standar<span class=\"_ _0\"></span>d industry terms of In<span class=\"_ _0\"></span>ternational Swaps and Derivativ<span class=\"_ _0\"></span>es Association (ISDA) Cre<span class=\"_ _0\"></span>dit Suppor<span class=\"_ _3\"></span>t Annex<span class=\"_ _0\"></span>. This means that the cash receive<span class=\"_ _0\"></span>d or given as collateral c<span class=\"_ _0\"></span>an be pledged or used during the term of the tr<span class=\"_ _0\"></span>ansaction but must be r<span class=\"_ _0\"></span>eturned on maturity of the transaction. The t<span class=\"_ _0\"></span>erms also give each counterparty the right to terminat<span class=\"_ _0\"></span>e the related tr<span class=\"_ _0\"></span>ansactions upon the counterparty\u2019<span class=\"_ _0\"></span>s failur<span class=\"_ _0\"></span>e to post collater<span class=\"_ _0\"></span>al. Collateral paid or r<span class=\"_ _0\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _0\"></span>d in loans and advances to cre<span class=\"_ _0\"></span>dit institutions and amounts o<span class=\"_ _0\"></span>wed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _0\"></span>, respectiv<span class=\"_ _0\"></span>ely.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-476": {
   "value": "vi. <span class=\"_ _14\"> </span>Fair value me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>ment<span class=\"_ _35a\"> </span>Fair value is the price that w<span class=\"_ _0\"></span>ould be received to sell an asset or paid t<span class=\"_ _0\"></span>o transfer a liability in an orderly tr<span class=\"_ _0\"></span>ansaction between mark<span class=\"_ _0\"></span>et participants at the measur<span class=\"_ _0\"></span>ement date in the principal or<span class=\"_ _0\"></span>, in its absence, the mos<span class=\"_ _0\"></span>t advantageous mark<span class=\"_ _0\"></span>et t<span class=\"_ _0\"></span>o which the Group has access at that date. When available<span class=\"_ _0\"></span>, the Group measures the fair value o<span class=\"_ _0\"></span>f an instrument using the quot<span class=\"_ _0\"></span>ed price in an active mark<span class=\"_ _0\"></span>et for that ins<span class=\"_ _0\"></span>trument. A mark<span class=\"_ _0\"></span>et is regar<span class=\"_ _0\"></span>ded as active if tr<span class=\"_ _0\"></span>ansactions for the asset or liability tak<span class=\"_ _0\"></span>e place with sufficient frequency and volume t<span class=\"_ _0\"></span>o provide pricing in<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ation on an ongoing basis. The Gr<span class=\"_ _0\"></span>oup measures its inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>t securities and Perpetual S<span class=\"_ _3\"></span>ubordin<span class=\"_ _3\"></span>ated Bonds (PSBs) at fair value using quote<span class=\"_ _0\"></span>d market prices wher<span class=\"_ _0\"></span>e available. If there is no quoted price in an activ<span class=\"_ _0\"></span>e mark<span class=\"_ _0\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _0\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _0\"></span>. The Group uses SONIA curves to value it<span class=\"_ _0\"></span>s derivatives<span class=\"_ _0\"></span>. The fair value of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts incorporates cr<span class=\"_ _0\"></span>edit valuation adjustmen<span class=\"_ _0\"></span>ts (C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A) and debit valuation adjustmen<span class=\"_ _0\"></span>ts (DV<span class=\"_ _2\"></span>A). The DV<span class=\"_ _0\"></span>A and C<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account the respective cr<span class=\"_ _0\"></span>edit ratings of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities and counterparty and whether the derivative is collater<span class=\"_ _0\"></span>alised or<span class=\"_ gs2a\"> </span>not. Derivatives ar<span class=\"_ _0\"></span>e valued using discounted c<span class=\"_ _0\"></span>ash flow models and observable mark<span class=\"_ _0\"></span>et data<span class=\"_ gs2a\"> </span>and are sensitiv<span class=\"_ _0\"></span>e to benchmark interes<span class=\"_ _0\"></span>t and basis rate curves<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Equity-settled share-based paymen<span class=\"_ _0\"></span>ts to employees pro<span class=\"_ _0\"></span>viding ser<span class=\"_ _3\"></span>vices are measur<span class=\"_ _0\"></span>ed at the fair value o<span class=\"_ _0\"></span>f the equity instruments at the gr<span class=\"_ _0\"></span>ant date in accor<span class=\"_ _0\"></span>dance with IFRS 2. The fair value ex<span class=\"_ _0\"></span>cludes the ef<span class=\"_ _3\"></span>fect of non-mark<span class=\"_ _0\"></span>et-base<span class=\"_ _0\"></span>d vesting conditions<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-477": {
   "value": "vii. <span class=\"_ _17\"> </span>Id<span class=\"_ _3\"></span>entificati<span class=\"_ _3\"></span>on and mea<span class=\"_ _3\"></span>sureme<span class=\"_ _3\"></span>nt of impairm<span class=\"_ _3\"></span>ent of fina<span class=\"_ _3\"></span>ncial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span>The Group assesses all financial assets f<span class=\"_ _0\"></span>or impairment. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _0\"></span>ee-stage ECL<span class=\"_ _0\"></span> approach for measuring impairmen<span class=\"_ _0\"></span>t. The three impairment s<span class=\"_ _0\"></span>tages are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 1</span> \u2013 a 12-month ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised where there is no signific<span class=\"_ _0\"></span>ant increase in credit risk (SICR) since initial recognition.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 2</span> \u2013 a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised for assets wher<span class=\"_ _0\"></span>e a SICR is identified since initial recognition. The assessment o<span class=\"_ _0\"></span>f whether credit risk has increased signific<span class=\"_ _0\"></span>antly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Stage 3</span> \u2013 requir<span class=\"_ _0\"></span>es objective evidence that an asset is cre<span class=\"_ _0\"></span>dit impaired, at which point a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance is recognised.<span class=\"_ _35a\"> </span>The Group measures impairmen<span class=\"_ _0\"></span>t through the use of individual and modelled assessmen<span class=\"_ _0\"></span>ts. Individual<span class=\"_ _0\"></span> assessment<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visioning process requires individual assessmen<span class=\"_ _0\"></span>t for high exposure or higher risk loans<span class=\"_ _0\"></span>, where Law o<span class=\"_ _0\"></span>f Property Act (LP<span class=\"_ _0\"></span>A) receiver<span class=\"_ _0\"></span>s have been appointed, the pr<span class=\"_ _0\"></span>oper<span class=\"_ _3\"></span>ty is tak<span class=\"_ _0\"></span>en into possession or ther<span class=\"_ _0\"></span>e are other ev<span class=\"_ _0\"></span>ents that suggest a high pr<span class=\"_ _0\"></span>obability of credit loss<span class=\"_ _0\"></span>. The individual assessments ar<span class=\"_ _0\"></span>e carried out for all the loans associated with one count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty. The Group es<span class=\"_ _0\"></span>timates cash flows fr<span class=\"_ _0\"></span>om these loans, including e<span class=\"_ _0\"></span>xpected interes<span class=\"_ _0\"></span>t and principal payments<span class=\"_ _0\"></span>, rental or sale pr<span class=\"_ _0\"></span>oceeds, selling and other cos<span class=\"_ _0\"></span>ts. For all individually assessed loans<span class=\"_ _0\"></span>, should the present value of es<span class=\"_ _0\"></span>timated future c<span class=\"_ _0\"></span>ash flows discounted at the original EIR be less than the carrying v<span class=\"_ _0\"></span>alue of the loan, a pro<span class=\"_ _0\"></span>vision is recognised for the difference with such loans being classifie<span class=\"_ _0\"></span>d as impaired. How<span class=\"_ _0\"></span>ev<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, should the present v<span class=\"_ _0\"></span>alue of the estimate<span class=\"_ _0\"></span>d future cash flows e<span class=\"_ _0\"></span>xceed the carrying value<span class=\"_ _0\"></span>, no provision is<span class=\"_ gs2a\"> </span>recognised. For all r<span class=\"_ _0\"></span>emaining individually assessed loans, should a full loss be e<span class=\"_ _0\"></span>xpected, the<span class=\"_ gs2a\"> </span>provision is se<span class=\"_ _0\"></span>t to the carrying value.<span class=\"_ _35a\"> </span>The Group applies a modelled assessmen<span class=\"_ _0\"></span>t to all loans with no individually assessed pro<span class=\"_ _0\"></span>vision. IFRS 9 mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d impairm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span>Me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of ECL<span class=\"_ _35a\"> </span>The assessment of cr<span class=\"_ _0\"></span>edit risk and the estimation of ECL<span class=\"_ _0\"></span> are unbiased and probability w<span class=\"_ _0\"></span>eighted. The ECL c<span class=\"_ _0\"></span>alculation is a product of an individual loan<span class=\"_ _0\"></span>\u2019<span class=\"_ _2\"></span>s probability of default (PD), e<span class=\"_ _0\"></span>xposure at default (EAD<span class=\"_ _0\"></span>) and loss given default (L<span class=\"_ _2\"></span>GD) discounted at the EIR. The ECL<span class=\"_ _0\"></span> drivers o<span class=\"_ _0\"></span>f PD<span class=\"_ _0\"></span>, EAD and L<span class=\"_ _0\"></span>GD are modelle<span class=\"_ _0\"></span>d at an account level. The assessmen<span class=\"_ _0\"></span>t of whether a SICR has occurred is based on quantitativ<span class=\"_ _0\"></span>e relative and absolut<span class=\"_ _0\"></span>e PD thresholds and a suite of qualitativ<span class=\"_ _0\"></span>e triggers<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Sig<span class=\"_ _3\"></span>nificant in<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in credit risk (moveme<span class=\"_ _3\"></span>nt to stage 2)<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>fer criteria determine what cons<span class=\"_ _0\"></span>titutes a SICR, which results in an e<span class=\"_ _0\"></span>xposure being mov<span class=\"_ _0\"></span>ed from st<span class=\"_ _0\"></span>age 1 to stage 2.<span class=\"_ _35a\"> </span>At the point o<span class=\"_ _0\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _0\"></span>timate. For each month<span class=\"_ _0\"></span>ly reporting date<span class=\"_ _3\"></span> thereafter<span class=\"_ _0\"></span>, an updat<span class=\"_ _0\"></span>ed PD estimate is compute<span class=\"_ _0\"></span>d. The Group\u2019<span class=\"_ _2\"></span>s transfer criteria analyse r<span class=\"_ _0\"></span>elative and absolute changes in PD ver<span class=\"_ _0\"></span>sus the PD assigned at the point of origination, to<span class=\"_ _0\"></span>gether with qualitative triggers using both in<span class=\"_ _0\"></span>ternal indicators<span class=\"_ _0\"></span>, such as forbear<span class=\"_ _0\"></span>ance, and external inf<span class=\"_ _0\"></span>ormation, such as changes in income and adver<span class=\"_ _0\"></span>se credit information to assess f<span class=\"_ _0\"></span>or SICR. In the even<span class=\"_ _0\"></span>t that given early warning trigger<span class=\"_ _0\"></span>s have not alre<span class=\"_ _0\"></span>ady identified SICR, an account mor<span class=\"_ _0\"></span>e than 30 days past due is<span class=\"_ gs2a\"> </span>considered to hav<span class=\"_ _0\"></span>e experienced a SICR.<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e back into s<span class=\"_ _0\"></span>tage 1 only if the SICR definition is no longer triggered.<span class=\"_ _35a\"> </span>Defin<span class=\"_ _3\"></span>ition of default (movement to stage 3)<span class=\"_ _35a\"> </span>The Group uses a number of quan<span class=\"_ _0\"></span>titative and qualitativ<span class=\"_ _0\"></span>e criteria to determine whether an account meets the definition o<span class=\"_ _0\"></span>f default and theref<span class=\"_ _0\"></span>ore mov<span class=\"_ _0\"></span>es to stage 3<span class=\"_ _0\"></span>. The criteria currently<span class=\"_ gs2a\"> </span>include:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>If an account is more than 90 days pas<span class=\"_ _0\"></span>t due. \u2022 <span class=\"_ _15\"> </span>Accounts triggering an unlik<span class=\"_ _0\"></span>eliness to pay indicator<span class=\"_ _2\"></span>, which include possession, distressed res<span class=\"_ _0\"></span>tructuring forbearance<span class=\"_ _0\"></span>, and internal behaviour<span class=\"_ _0\"></span>al aler<span class=\"_ _3\"></span>ts such as def<span class=\"_ _0\"></span>ault within a borro<span class=\"_ _0\"></span>wer\u2019<span class=\"_ _2\"></span>s broader relationship with the bank or external behaviour<span class=\"_ _0\"></span>al alerts such as bankruptcy or individual volun<span class=\"_ _0\"></span>tary arrangement (IV<span class=\"_ _2\"></span>A).<span class=\"_ _35a\"> </span>A borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e out of st<span class=\"_ _0\"></span>age 3 when its credit risk impro<span class=\"_ _0\"></span>ves such that it no longer meets the 90 days past due and unlik<span class=\"_ _0\"></span>eliness to pay crit<span class=\"_ _0\"></span>eria and following this has complete<span class=\"_ _0\"></span>d an internally appr<span class=\"_ _0\"></span>oved 12-mon<span class=\"_ _0\"></span>th probation period. The borro<span class=\"_ _0\"></span>wer will mov<span class=\"_ _0\"></span>e to st<span class=\"_ _0\"></span>age 1 or stage 2<span class=\"_ gs2a\"> </span>dependent on whether the SICR applies<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forwar<span class=\"_ _0\"></span>d-look<span class=\"_ _0\"></span>ing macroeconomic scenari<span class=\"_ _0\"></span>os<span class=\"_ _35a\"> </span>The risk of def<span class=\"_ _0\"></span>ault and ECL assessments t<span class=\"_ _0\"></span>ake in<span class=\"_ _0\"></span>to consideration the e<span class=\"_ _0\"></span>xpectations of economic changes that are deemed to be r<span class=\"_ _0\"></span>easonably possible.<span class=\"_ _35a\"> </span>The Group conducts analysis to de<span class=\"_ _0\"></span>termine the most significant f<span class=\"_ _0\"></span>actors which may influence the lik<span class=\"_ _0\"></span>elihood of an exposur<span class=\"_ _0\"></span>e defaulting in the future<span class=\"_ _0\"></span>. The macroeconomic factor<span class=\"_ _0\"></span>s relate to the<span class=\"_ gs2a\"> </span>House Price Index (HPI), unemployment r<span class=\"_ _0\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _0\"></span>oss Domestic Pr<span class=\"_ _0\"></span>oduct (GDP), Commercial Re<span class=\"_ _0\"></span>al Estate Inde<span class=\"_ _0\"></span>x (CRE) and the BoE Base Rate (BBR).<span class=\"_ _35a\"> </span>The Group has dev<span class=\"_ _0\"></span>eloped an approach for f<span class=\"_ _0\"></span>actoring probability-w<span class=\"_ _0\"></span>eighted macr<span class=\"_ _0\"></span>oeconomic forecas<span class=\"_ _0\"></span>ts into ECL<span class=\"_ _0\"></span> calculations<span class=\"_ _0\"></span>, adjusting PD and L<span class=\"_ _0\"></span>GD es<span class=\"_ _0\"></span>timates. The macr<span class=\"_ _0\"></span>oeconomic scenarios feed directly in<span class=\"_ _0\"></span>to the ECL calculation, as the adjus<span class=\"_ _0\"></span>ted PD<span class=\"_ _0\"></span>, lifetime PD and L<span class=\"_ _2\"></span>GD estimat<span class=\"_ _0\"></span>es are used within the individual account ECL<span class=\"_ _0\"></span> allowance c<span class=\"_ _0\"></span>alculations.<span class=\"_ _35a\"> </span>The Group sources economic for<span class=\"_ _0\"></span>ecast inf<span class=\"_ _0\"></span>ormation from an appropriately qualified thir<span class=\"_ _0\"></span>d party when determining scenarios<span class=\"_ _0\"></span>. The Group considers four pr<span class=\"_ _0\"></span>obability-weigh<span class=\"_ _0\"></span>ted scenarios, base<span class=\"_ _0\"></span>, upside, do<span class=\"_ _0\"></span>wnside and sever<span class=\"_ _0\"></span>e downside scenarios<span class=\"_ _0\"></span>. The expected scenarios<span class=\"_ _0\"></span>, management actions and results ar<span class=\"_ _0\"></span>e discussed and approv<span class=\"_ _0\"></span>ed by the Board.<span class=\"_ _35a\"> </span>The base case is also utilised within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s impairment f<span class=\"_ _0\"></span>orecasting pr<span class=\"_ _0\"></span>ocess which in turn feeds the wider business planning processes<span class=\"_ _0\"></span>. The ECL models ar<span class=\"_ _0\"></span>e also used to set the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit risk appetite thr<span class=\"_ _0\"></span>esholds and limits.<span class=\"_ _35a\"> </span>Period over whi<span class=\"_ _3\"></span>ch ECL is m<span class=\"_ _3\"></span>easu<span class=\"_ _3\"></span>red The ECL is me<span class=\"_ _0\"></span>asured from the initial recognition o<span class=\"_ _0\"></span>f the asset which is the date at which the loan is originated or the date a lo<span class=\"_ _0\"></span>an is purchased and at each balance sheet date thereafter<span class=\"_ _2\"></span>. The maximum period considered when measuring ECL<span class=\"_ _0\"></span> (either 12 months or lif<span class=\"_ _0\"></span>etime ECL) is the maximum contr<span class=\"_ _0\"></span>actual period over which the Gr<span class=\"_ _0\"></span>oup is exposed to the credit risk o<span class=\"_ _0\"></span>f the asset. For modelling purposes<span class=\"_ _0\"></span>, the Group considers the contr<span class=\"_ _0\"></span>actual maturity of the loan product and<span class=\"_ gs2a\"> </span>then considers the behaviour<span class=\"_ _0\"></span>al trends of the asset.<span class=\"_ _35a\"> </span>Purchas<span class=\"_ _3\"></span>ed or o<span class=\"_ _3\"></span>riginated c<span class=\"_ _3\"></span>redit impa<span class=\"_ _3\"></span>ired (POC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span>Acquired lo<span class=\"_ _0\"></span>ans that meet the Group\u2019<span class=\"_ _2\"></span>s definition of default (90 days pas<span class=\"_ _0\"></span>t due or an unlik<span class=\"_ _0\"></span>ely to<span class=\"_ gs2a\"> </span>pay position) at acquisition are tr<span class=\"_ _0\"></span>eated as POCI assets<span class=\"_ _0\"></span>. These assets attract a lifetime ECL<span class=\"_ _0\"></span> allow<span class=\"_ _0\"></span>ance over the full t<span class=\"_ _0\"></span>erm of the loan, ev<span class=\"_ _0\"></span>en when these loans no longer meet the definition of<span class=\"_ gs2a\"> </span>def<span class=\"_ _0\"></span>ault post-acquisition. The Group does not originate cr<span class=\"_ _0\"></span>edit-impaired loans<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Wr<span class=\"_ _0\"></span>ite-<span class=\"_ _3\"></span>off<span class=\"_ _35a\"> </span>Lo<span class=\"_ _0\"></span>ans are written off against the relate<span class=\"_ _0\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _0\"></span>emaining. Subsequent recov<span class=\"_ _0\"></span>eries of amounts pr<span class=\"_ _0\"></span>eviously written off are tak<span class=\"_ _0\"></span>en through pr<span class=\"_ _0\"></span>ofit and loss. Accoun<span class=\"_ _0\"></span>ts that are derecognised f<span class=\"_ _0\"></span>or accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _0\"></span>es are only discontinued follo<span class=\"_ _0\"></span>wing approval fr<span class=\"_ _0\"></span>om the Group Chief Credit Officer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Intercompany loans<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>company receivables in the Company financial stat<span class=\"_ _0\"></span>ements are assessed for ECL<span class=\"_ _0\"></span> based on an assessment of the PD and L<span class=\"_ _2\"></span>GD, discoun<span class=\"_ _0\"></span>ted to a net presen<span class=\"_ _0\"></span>t value. Other f<span class=\"_ _0\"></span>inancial assets<span class=\"_ _35a\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _0\"></span>titutions and high-grade in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities. The Group deems the lik<span class=\"_ _0\"></span>elihood of de<span class=\"_ _0\"></span>fault across these counterparties as low and does not r<span class=\"_ _0\"></span>ecognise a provision agains<span class=\"_ _0\"></span>t the carrying balances. Sh<span class=\"_ _3\"></span>are re<span class=\"_ _3\"></span>pu<span class=\"_ _3\"></span>rch<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e Upon Board authorisation o<span class=\"_ _0\"></span>f a share repurchase pro<span class=\"_ _0\"></span>gramme and signing an irre<span class=\"_ _0\"></span>vocable agreement, a shar<span class=\"_ _0\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fset in retained e<span class=\"_ _0\"></span>arnings. Each share r<span class=\"_ _0\"></span>epurchase reduces the pro<span class=\"_ _0\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _0\"></span>ed with a credit to the capital r<span class=\"_ _0\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 for each share cancelle<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-423": {
   "value": "o<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>Inv<span class=\"_ _0\"></span>estment securities include securities held for liquidity purposes (UK tr<span class=\"_ _0\"></span>easury bills, UK Gilts<span class=\"_ _0\"></span>, Cov<span class=\"_ _0\"></span>ered bonds and Residential Mortgage-Back<span class=\"_ _0\"></span>ed Securities (RMBS)). These assets ar<span class=\"_ _0\"></span>e non-<span class=\"_ _35a\"> </span>derivatives that ar<span class=\"_ _0\"></span>e classified on an individual basis as amortised cost, FV<span class=\"_ _0\"></span>OCI or FV<span class=\"_ _3\"></span>TPL.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-424": {
   "value": "p<span class=\"_ _0\"></span>) <span class=\"_ _11c\"> </span>Sale and repu<span class=\"_ _0\"></span>rchase agreements<span class=\"_ _35a\"> </span>Financial assets sold subject to r<span class=\"_ _0\"></span>epurchase agreements (r<span class=\"_ _0\"></span>epo) continue to be reco<span class=\"_ _0\"></span>gnised in the financial st<span class=\"_ _0\"></span>atements if they fail the der<span class=\"_ _0\"></span>ecognition criteria of IFRS 9 described in par<span class=\"_ _0\"></span>agraph m) iii abov<span class=\"_ _0\"></span>e. The financial assets that are r<span class=\"_ _0\"></span>etained in the financial st<span class=\"_ _0\"></span>atements are r<span class=\"_ _0\"></span>eflected as loans and advances to cus<span class=\"_ _0\"></span>tomers or in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities and the counterparty liability is included in amounts o<span class=\"_ _0\"></span>wed to cr<span class=\"_ _0\"></span>edit institutions or other cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. Financial assets purchased under<span class=\"_ _0\"></span> agreement<span class=\"_ _0\"></span>s to resell at a predetermine<span class=\"_ _0\"></span>d price where the transaction is financing in nature<span class=\"_ _0\"></span> (rev<span class=\"_ _0\"></span>erse repo<span class=\"_ _0\"></span>) are accounted f<span class=\"_ _0\"></span>or as loans and advances to credit ins<span class=\"_ _0\"></span>titutions. The difference between the sale and r<span class=\"_ _0\"></span>epurchase price is treated as in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t and accrued over the life o<span class=\"_ _0\"></span>f the agreement using the EIR method.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-504": {
   "value": "q) <span class=\"_ _11c\"> </span>Derivative f<span class=\"_ _3\"></span>inancial in<span class=\"_ _3\"></span>strument<span class=\"_ _3\"></span>s The Group uses derivativ<span class=\"_ _0\"></span>e financial instrument<span class=\"_ _0\"></span>s (interes<span class=\"_ _0\"></span>t rate s<span class=\"_ _0\"></span>waps) to manage its e<span class=\"_ _0\"></span>xposure to inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate risk. The Group does not hold or issue derivativ<span class=\"_ _0\"></span>e financial instrument<span class=\"_ _0\"></span>s for proprietary tr<span class=\"_ _0\"></span>ading.<span class=\"_ _35a\"> </span>The Group also uses derivativ<span class=\"_ _0\"></span>es to hedge the inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e risk inherent in irre<span class=\"_ _0\"></span>vocable offers to lend. This exposes the Gr<span class=\"_ _0\"></span>oup to movemen<span class=\"_ _0\"></span>ts in the fair value of deriv<span class=\"_ _0\"></span>atives until the loan is<span class=\"_ gs2a\"> </span>dra<span class=\"_ _0\"></span>wn. The changes to fair value are r<span class=\"_ _0\"></span>ecognised in profit or loss in the period. r<span class=\"_ _0\"></span>) <span class=\"_ _146\"> </span>Hedge accounti<span class=\"_ _0\"></span>ng<span class=\"_ _35a\"> </span>The Group has chosen to con<span class=\"_ _0\"></span>tinue to apply the hedge accounting requir<span class=\"_ _0\"></span>ements of International Accoun<span class=\"_ _0\"></span>ting Standards (IA<span class=\"_ _0\"></span>S) 39 instead o<span class=\"_ _0\"></span>f the requirement<span class=\"_ _0\"></span>s in Chapter 6 of IFRS 9<span class=\"_ _2\"></span>. The Group uses fair v<span class=\"_ _0\"></span>alue hedge accounting for a portfolio hedge of int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk. The hedging str<span class=\"_ _0\"></span>ategy of the Gr<span class=\"_ _0\"></span>oup is divided into portfolio hedges<span class=\"_ _0\"></span>, where the hedged item is a homogeneous portfolio of assets (mortgage lending) or liabilities (savings product<span class=\"_ _0\"></span>s), and micro hedges<span class=\"_ _0\"></span>, where the hedged item is a dis<span class=\"_ _0\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _0\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>i. <span class=\"_ _18a\"> </span>Por<span class=\"_ _3\"></span>tfolio h<span class=\"_ _3\"></span>edge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>Portfolio hedge accounting allo<span class=\"_ _0\"></span>ws for hedge effectiveness tes<span class=\"_ _0\"></span>ting and accounting ov<span class=\"_ _0\"></span>er an entire portfolio o<span class=\"_ _0\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _0\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _0\"></span>ed rate portfolio of mortgages and savings account<span class=\"_ _0\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _0\"></span>epricing time periods based on expected r<span class=\"_ _0\"></span>epricing dates, utilising the Gr<span class=\"_ _0\"></span>oup Assets and Liabilities Committee (AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>) approve<span class=\"_ _0\"></span>d prepayment curve. In<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate sw<span class=\"_ _0\"></span>aps are designated agains<span class=\"_ _0\"></span>t the repricing time periods to es<span class=\"_ _0\"></span>tablish the hedge relationship.<span class=\"_ _35a\"> </span>ii. <span class=\"_ _9\"> </span>Micro hedges<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s micro hedging s<span class=\"_ _0\"></span>trate<span class=\"_ _0\"></span>gy entails hedge accounting on an individual ins<span class=\"_ _0\"></span>trument-<span class=\"_ _35a\"> </span>by-instrumen<span class=\"_ _0\"></span>t basis, which in some ins<span class=\"_ _0\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _0\"></span>trument may be ex<span class=\"_ _0\"></span>ercised early. The Group applies f<span class=\"_ _0\"></span>air value micro hedge accounting to manage its e<span class=\"_ _0\"></span>xposure to the int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk arising from some of its fix<span class=\"_ _0\"></span>ed rate deb<span class=\"_ _0\"></span>t issuances. Inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps ar<span class=\"_ _0\"></span>e assigned to specific issuances of fixed r<span class=\"_ _0\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _35a\"> </span>iii.<span class=\"_ _0\"></span> <span class=\"_ _14\"> </span>Hedge effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _0\"></span>eness<span class=\"_ _35a\"> </span>Hedge effectiveness is calculat<span class=\"_ _0\"></span>ed as a percentage of the f<span class=\"_ _0\"></span>air value mov<span class=\"_ _0\"></span>ement of the inter<span class=\"_ _0\"></span>est rate s<span class=\"_ _0\"></span>wap agains<span class=\"_ _0\"></span>t the fair value mov<span class=\"_ _0\"></span>ement of the hedged it<span class=\"_ _0\"></span>em over the period t<span class=\"_ _0\"></span>ested. The Group considers the f<span class=\"_ _0\"></span>ollowing as k<span class=\"_ _0\"></span>ey sources of he<span class=\"_ _0\"></span>dge inef<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>eness:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in maturity date of the sw<span class=\"_ _0\"></span>ap and hedged item, as s<span class=\"_ _0\"></span>waps with a given maturity date cov<span class=\"_ _0\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _0\"></span>oughout the month;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the actual behaviour of the hedged item differing from expect<span class=\"_ _0\"></span>ations, such as early repayment<span class=\"_ _0\"></span>s or withdraw<span class=\"_ _0\"></span>als and arrears;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>minimal movemen<span class=\"_ _0\"></span>ts in the yield curve leading to ineffectiveness where he<span class=\"_ _0\"></span>dge relationships are sensitiv<span class=\"_ _0\"></span>e to small value changes; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in the sw<span class=\"_ _0\"></span>ap interes<span class=\"_ _0\"></span>t rate and r<span class=\"_ _0\"></span>ate used to value the hedged it<span class=\"_ _0\"></span>em where the sw<span class=\"_ _0\"></span>ap rate is higher than the contr<span class=\"_ _0\"></span>actual rate o<span class=\"_ _0\"></span>f the hedged item. Where there is an e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>e hedge relationship for fair value he<span class=\"_ _0\"></span>dges, the Group r<span class=\"_ _0\"></span>ecognises the change in fair value o<span class=\"_ _0\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _0\"></span>e movemen<span class=\"_ _0\"></span>t in their value being sho<span class=\"_ _0\"></span>wn separately in the Consolidated St<span class=\"_ _0\"></span>atement of Financial Position as fair v<span class=\"_ _0\"></span>alue adjustmen<span class=\"_ _0\"></span>ts on hedged assets and liabilities<span class=\"_ _0\"></span>. The fair value changes of both the deriv<span class=\"_ _0\"></span>ative and the hedge subst<span class=\"_ _0\"></span>antially offset each other to re<span class=\"_ _0\"></span>duce profit volatility.<span class=\"_ _35a\"> </span>The Group discontinues hedge accoun<span class=\"_ _0\"></span>ting when the derivative ceases through e<span class=\"_ _0\"></span>xpiry, when the derivative is c<span class=\"_ _0\"></span>ancelled or the underlying hedged item matures<span class=\"_ _0\"></span>, is sold or is repaid.<span class=\"_ _35a\"> </span>If a derivative no longer meet<span class=\"_ _0\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _0\"></span>t still effective<span class=\"_ _0\"></span>, including LIBOR-link<span class=\"_ _0\"></span>ed derivatives cancelled as a r<span class=\"_ _0\"></span>esult of Interbank Offered R<span class=\"_ _0\"></span>ate (IBOR) ref<span class=\"_ _0\"></span>orms, the fair v<span class=\"_ _0\"></span>alue adjustment relating t<span class=\"_ _0\"></span>o the hedged assets or liabilities within the hedge relationship prior to the deriv<span class=\"_ _0\"></span>ative becoming ineffective or being cancelled r<span class=\"_ _0\"></span>emains on the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position and is amortised over the r<span class=\"_ _0\"></span>emaining life of the hedged assets or liabilities<span class=\"_ _0\"></span>. The rate o<span class=\"_ _0\"></span>f amor<span class=\"_ _3\"></span>tisation ov<span class=\"_ _0\"></span>er the remaining life is in line with expected income or cos<span class=\"_ _0\"></span>t generate<span class=\"_ _0\"></span>d from the hedged assets or liabilities<span class=\"_ _0\"></span>. Each reporting period, the expectation is compar<span class=\"_ _0\"></span>ed to actual with an accelerated run-o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f applied where the tw<span class=\"_ _0\"></span>o diver<span class=\"_ _0\"></span>ge by more than set paramet<span class=\"_ _0\"></span>ers.<span class=\"_ _35a\"> </span>s<span class=\"_ _0\"></span>) <span class=\"_ _d\"> </span>Debit and cre<span class=\"_ _3\"></span>dit valuation adju<span class=\"_ _3\"></span>stments<span class=\"_ _35a\"> </span>The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A and CV<span class=\"_ _2\"></span>A are included in the fair value of deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts. The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A is based on the expecte<span class=\"_ _0\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities def<span class=\"_ _0\"></span>aulting. The CV<span class=\"_ _0\"></span>A r<span class=\"_ _0\"></span>eflects the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s risk of the coun<span class=\"_ _0\"></span>terparty\u2019<span class=\"_ _0\"></span>s default. The methodology is based on a s<span class=\"_ _0\"></span>tandard calculation, t<span class=\"_ _0\"></span>aking into account the credit rating o<span class=\"_ _0\"></span>f the swap count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty, time to maturity, the f<span class=\"_ _0\"></span>air value of the sw<span class=\"_ _0\"></span>ap and any collateral<span class=\"_ gs2a\"> </span>arr<span class=\"_ _0\"></span>angements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-422": {
   "value": "q) <span class=\"_ _11c\"> </span>Derivative f<span class=\"_ _3\"></span>inancial in<span class=\"_ _3\"></span>strument<span class=\"_ _3\"></span>s The Group uses derivativ<span class=\"_ _0\"></span>e financial instrument<span class=\"_ _0\"></span>s (interes<span class=\"_ _0\"></span>t rate s<span class=\"_ _0\"></span>waps) to manage its e<span class=\"_ _0\"></span>xposure to inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate risk. The Group does not hold or issue derivativ<span class=\"_ _0\"></span>e financial instrument<span class=\"_ _0\"></span>s for proprietary tr<span class=\"_ _0\"></span>ading.<span class=\"_ _35a\"> </span>The Group also uses derivativ<span class=\"_ _0\"></span>es to hedge the inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e risk inherent in irre<span class=\"_ _0\"></span>vocable offers to lend. This exposes the Gr<span class=\"_ _0\"></span>oup to movemen<span class=\"_ _0\"></span>ts in the fair value of deriv<span class=\"_ _0\"></span>atives until the loan is<span class=\"_ gs2a\"> </span>dra<span class=\"_ _0\"></span>wn. The changes to fair value are r<span class=\"_ _0\"></span>ecognised in profit or loss in the period. r<span class=\"_ _0\"></span>) <span class=\"_ _146\"> </span>Hedge accounti<span class=\"_ _0\"></span>ng<span class=\"_ _35a\"> </span>The Group has chosen to con<span class=\"_ _0\"></span>tinue to apply the hedge accounting requir<span class=\"_ _0\"></span>ements of International Accoun<span class=\"_ _0\"></span>ting Standards (IA<span class=\"_ _0\"></span>S) 39 instead o<span class=\"_ _0\"></span>f the requirement<span class=\"_ _0\"></span>s in Chapter 6 of IFRS 9<span class=\"_ _2\"></span>. The Group uses fair v<span class=\"_ _0\"></span>alue hedge accounting for a portfolio hedge of int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk. The hedging str<span class=\"_ _0\"></span>ategy of the Gr<span class=\"_ _0\"></span>oup is divided into portfolio hedges<span class=\"_ _0\"></span>, where the hedged item is a homogeneous portfolio of assets (mortgage lending) or liabilities (savings product<span class=\"_ _0\"></span>s), and micro hedges<span class=\"_ _0\"></span>, where the hedged item is a dis<span class=\"_ _0\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _0\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>i. <span class=\"_ _18a\"> </span>Por<span class=\"_ _3\"></span>tfolio h<span class=\"_ _3\"></span>edge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>Portfolio hedge accounting allo<span class=\"_ _0\"></span>ws for hedge effectiveness tes<span class=\"_ _0\"></span>ting and accounting ov<span class=\"_ _0\"></span>er an entire portfolio o<span class=\"_ _0\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _0\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _0\"></span>ed rate portfolio of mortgages and savings account<span class=\"_ _0\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _0\"></span>epricing time periods based on expected r<span class=\"_ _0\"></span>epricing dates, utilising the Gr<span class=\"_ _0\"></span>oup Assets and Liabilities Committee (AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>) approve<span class=\"_ _0\"></span>d prepayment curve. In<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate sw<span class=\"_ _0\"></span>aps are designated agains<span class=\"_ _0\"></span>t the repricing time periods to es<span class=\"_ _0\"></span>tablish the hedge relationship.<span class=\"_ _35a\"> </span>ii. <span class=\"_ _9\"> </span>Micro hedges<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s micro hedging s<span class=\"_ _0\"></span>trate<span class=\"_ _0\"></span>gy entails hedge accounting on an individual ins<span class=\"_ _0\"></span>trument-<span class=\"_ _35a\"> </span>by-instrumen<span class=\"_ _0\"></span>t basis, which in some ins<span class=\"_ _0\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _0\"></span>trument may be ex<span class=\"_ _0\"></span>ercised early. The Group applies f<span class=\"_ _0\"></span>air value micro hedge accounting to manage its e<span class=\"_ _0\"></span>xposure to the int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk arising from some of its fix<span class=\"_ _0\"></span>ed rate deb<span class=\"_ _0\"></span>t issuances. Inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps ar<span class=\"_ _0\"></span>e assigned to specific issuances of fixed r<span class=\"_ _0\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _35a\"> </span>iii.<span class=\"_ _0\"></span> <span class=\"_ _14\"> </span>Hedge effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _0\"></span>eness<span class=\"_ _35a\"> </span>Hedge effectiveness is calculat<span class=\"_ _0\"></span>ed as a percentage of the f<span class=\"_ _0\"></span>air value mov<span class=\"_ _0\"></span>ement of the inter<span class=\"_ _0\"></span>est rate s<span class=\"_ _0\"></span>wap agains<span class=\"_ _0\"></span>t the fair value mov<span class=\"_ _0\"></span>ement of the hedged it<span class=\"_ _0\"></span>em over the period t<span class=\"_ _0\"></span>ested. The Group considers the f<span class=\"_ _0\"></span>ollowing as k<span class=\"_ _0\"></span>ey sources of he<span class=\"_ _0\"></span>dge inef<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>eness:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in maturity date of the sw<span class=\"_ _0\"></span>ap and hedged item, as s<span class=\"_ _0\"></span>waps with a given maturity date cov<span class=\"_ _0\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _0\"></span>oughout the month;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the actual behaviour of the hedged item differing from expect<span class=\"_ _0\"></span>ations, such as early repayment<span class=\"_ _0\"></span>s or withdraw<span class=\"_ _0\"></span>als and arrears;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>minimal movemen<span class=\"_ _0\"></span>ts in the yield curve leading to ineffectiveness where he<span class=\"_ _0\"></span>dge relationships are sensitiv<span class=\"_ _0\"></span>e to small value changes; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in the sw<span class=\"_ _0\"></span>ap interes<span class=\"_ _0\"></span>t rate and r<span class=\"_ _0\"></span>ate used to value the hedged it<span class=\"_ _0\"></span>em where the sw<span class=\"_ _0\"></span>ap rate is higher than the contr<span class=\"_ _0\"></span>actual rate o<span class=\"_ _0\"></span>f the hedged item. Where there is an e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>e hedge relationship for fair value he<span class=\"_ _0\"></span>dges, the Group r<span class=\"_ _0\"></span>ecognises the change in fair value o<span class=\"_ _0\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _0\"></span>e movemen<span class=\"_ _0\"></span>t in their value being sho<span class=\"_ _0\"></span>wn separately in the Consolidated St<span class=\"_ _0\"></span>atement of Financial Position as fair v<span class=\"_ _0\"></span>alue adjustmen<span class=\"_ _0\"></span>ts on hedged assets and liabilities<span class=\"_ _0\"></span>. The fair value changes of both the deriv<span class=\"_ _0\"></span>ative and the hedge subst<span class=\"_ _0\"></span>antially offset each other to re<span class=\"_ _0\"></span>duce profit volatility.<span class=\"_ _35a\"> </span>The Group discontinues hedge accoun<span class=\"_ _0\"></span>ting when the derivative ceases through e<span class=\"_ _0\"></span>xpiry, when the derivative is c<span class=\"_ _0\"></span>ancelled or the underlying hedged item matures<span class=\"_ _0\"></span>, is sold or is repaid.<span class=\"_ _35a\"> </span>If a derivative no longer meet<span class=\"_ _0\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _0\"></span>t still effective<span class=\"_ _0\"></span>, including LIBOR-link<span class=\"_ _0\"></span>ed derivatives cancelled as a r<span class=\"_ _0\"></span>esult of Interbank Offered R<span class=\"_ _0\"></span>ate (IBOR) ref<span class=\"_ _0\"></span>orms, the fair v<span class=\"_ _0\"></span>alue adjustment relating t<span class=\"_ _0\"></span>o the hedged assets or liabilities within the hedge relationship prior to the deriv<span class=\"_ _0\"></span>ative becoming ineffective or being cancelled r<span class=\"_ _0\"></span>emains on the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position and is amortised over the r<span class=\"_ _0\"></span>emaining life of the hedged assets or liabilities<span class=\"_ _0\"></span>. The rate o<span class=\"_ _0\"></span>f amor<span class=\"_ _3\"></span>tisation ov<span class=\"_ _0\"></span>er the remaining life is in line with expected income or cos<span class=\"_ _0\"></span>t generate<span class=\"_ _0\"></span>d from the hedged assets or liabilities<span class=\"_ _0\"></span>. Each reporting period, the expectation is compar<span class=\"_ _0\"></span>ed to actual with an accelerated run-o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f applied where the tw<span class=\"_ _0\"></span>o diver<span class=\"_ _0\"></span>ge by more than set paramet<span class=\"_ _0\"></span>ers.<span class=\"_ _35a\"> </span>s<span class=\"_ _0\"></span>) <span class=\"_ _d\"> </span>Debit and cre<span class=\"_ _3\"></span>dit valuation adju<span class=\"_ _3\"></span>stments<span class=\"_ _35a\"> </span>The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A and CV<span class=\"_ _2\"></span>A are included in the fair value of deriv<span class=\"_ _0\"></span>ative financial instrumen<span class=\"_ _0\"></span>ts. The D<span class=\"_ _0\"></span>V<span class=\"_ _0\"></span>A is based on the expecte<span class=\"_ _0\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tw<span class=\"_ _0\"></span>o banking entities def<span class=\"_ _0\"></span>aulting. The CV<span class=\"_ _0\"></span>A r<span class=\"_ _0\"></span>eflects the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s risk of the coun<span class=\"_ _0\"></span>terparty\u2019<span class=\"_ _0\"></span>s default. The methodology is based on a s<span class=\"_ _0\"></span>tandard calculation, t<span class=\"_ _0\"></span>aking into account the credit rating o<span class=\"_ _0\"></span>f the swap count<span class=\"_ _0\"></span>erpar<span class=\"_ _3\"></span>ty, time to maturity, the f<span class=\"_ _0\"></span>air value of the sw<span class=\"_ _0\"></span>ap and any collateral<span class=\"_ gs2a\"> </span>arr<span class=\"_ _0\"></span>angements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-478": {
   "value": "r<span class=\"_ _0\"></span>) <span class=\"_ _146\"> </span>Hedge accounti<span class=\"_ _0\"></span>ng<span class=\"_ _35a\"> </span>The Group has chosen to con<span class=\"_ _0\"></span>tinue to apply the hedge accounting requir<span class=\"_ _0\"></span>ements of International Accoun<span class=\"_ _0\"></span>ting Standards (IA<span class=\"_ _0\"></span>S) 39 instead o<span class=\"_ _0\"></span>f the requirement<span class=\"_ _0\"></span>s in Chapter 6 of IFRS 9<span class=\"_ _2\"></span>. The Group uses fair v<span class=\"_ _0\"></span>alue hedge accounting for a portfolio hedge of int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk. The hedging str<span class=\"_ _0\"></span>ategy of the Gr<span class=\"_ _0\"></span>oup is divided into portfolio hedges<span class=\"_ _0\"></span>, where the hedged item is a homogeneous portfolio of assets (mortgage lending) or liabilities (savings product<span class=\"_ _0\"></span>s), and micro hedges<span class=\"_ _0\"></span>, where the hedged item is a dis<span class=\"_ _0\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _0\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>i. <span class=\"_ _18a\"> </span>Por<span class=\"_ _3\"></span>tfolio h<span class=\"_ _3\"></span>edge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>Portfolio hedge accounting allo<span class=\"_ _0\"></span>ws for hedge effectiveness tes<span class=\"_ _0\"></span>ting and accounting ov<span class=\"_ _0\"></span>er an entire portfolio o<span class=\"_ _0\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _0\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _0\"></span>ed rate portfolio of mortgages and savings account<span class=\"_ _0\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _0\"></span>epricing time periods based on expected r<span class=\"_ _0\"></span>epricing dates, utilising the Gr<span class=\"_ _0\"></span>oup Assets and Liabilities Committee (AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>) approve<span class=\"_ _0\"></span>d prepayment curve. In<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate sw<span class=\"_ _0\"></span>aps are designated agains<span class=\"_ _0\"></span>t the repricing time periods to es<span class=\"_ _0\"></span>tablish the hedge relationship.<span class=\"_ _35a\"> </span>ii. <span class=\"_ _9\"> </span>Micro hedges<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s micro hedging s<span class=\"_ _0\"></span>trate<span class=\"_ _0\"></span>gy entails hedge accounting on an individual ins<span class=\"_ _0\"></span>trument-<span class=\"_ _35a\"> </span>by-instrumen<span class=\"_ _0\"></span>t basis, which in some ins<span class=\"_ _0\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _0\"></span>trument may be ex<span class=\"_ _0\"></span>ercised early. The Group applies f<span class=\"_ _0\"></span>air value micro hedge accounting to manage its e<span class=\"_ _0\"></span>xposure to the int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk arising from some of its fix<span class=\"_ _0\"></span>ed rate deb<span class=\"_ _0\"></span>t issuances. Inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps ar<span class=\"_ _0\"></span>e assigned to specific issuances of fixed r<span class=\"_ _0\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _35a\"> </span>iii.<span class=\"_ _0\"></span> <span class=\"_ _14\"> </span>Hedge effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _0\"></span>eness<span class=\"_ _35a\"> </span>Hedge effectiveness is calculat<span class=\"_ _0\"></span>ed as a percentage of the f<span class=\"_ _0\"></span>air value mov<span class=\"_ _0\"></span>ement of the inter<span class=\"_ _0\"></span>est rate s<span class=\"_ _0\"></span>wap agains<span class=\"_ _0\"></span>t the fair value mov<span class=\"_ _0\"></span>ement of the hedged it<span class=\"_ _0\"></span>em over the period t<span class=\"_ _0\"></span>ested. The Group considers the f<span class=\"_ _0\"></span>ollowing as k<span class=\"_ _0\"></span>ey sources of he<span class=\"_ _0\"></span>dge inef<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>eness:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in maturity date of the sw<span class=\"_ _0\"></span>ap and hedged item, as s<span class=\"_ _0\"></span>waps with a given maturity date cov<span class=\"_ _0\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _0\"></span>oughout the month;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the actual behaviour of the hedged item differing from expect<span class=\"_ _0\"></span>ations, such as early repayment<span class=\"_ _0\"></span>s or withdraw<span class=\"_ _0\"></span>als and arrears;<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>minimal movemen<span class=\"_ _0\"></span>ts in the yield curve leading to ineffectiveness where he<span class=\"_ _0\"></span>dge relationships are sensitiv<span class=\"_ _0\"></span>e to small value changes; and<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the mismatch in the sw<span class=\"_ _0\"></span>ap interes<span class=\"_ _0\"></span>t rate and r<span class=\"_ _0\"></span>ate used to value the hedged it<span class=\"_ _0\"></span>em where the sw<span class=\"_ _0\"></span>ap rate is higher than the contr<span class=\"_ _0\"></span>actual rate o<span class=\"_ _0\"></span>f the hedged item. Where there is an e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fectiv<span class=\"_ _0\"></span>e hedge relationship for fair value he<span class=\"_ _0\"></span>dges, the Group r<span class=\"_ _0\"></span>ecognises the change in fair value o<span class=\"_ _0\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _0\"></span>e movemen<span class=\"_ _0\"></span>t in their value being sho<span class=\"_ _0\"></span>wn separately in the Consolidated St<span class=\"_ _0\"></span>atement of Financial Position as fair v<span class=\"_ _0\"></span>alue adjustmen<span class=\"_ _0\"></span>ts on hedged assets and liabilities<span class=\"_ _0\"></span>. The fair value changes of both the deriv<span class=\"_ _0\"></span>ative and the hedge subst<span class=\"_ _0\"></span>antially offset each other to re<span class=\"_ _0\"></span>duce profit volatility.<span class=\"_ _35a\"> </span>The Group discontinues hedge accoun<span class=\"_ _0\"></span>ting when the derivative ceases through e<span class=\"_ _0\"></span>xpiry, when the derivative is c<span class=\"_ _0\"></span>ancelled or the underlying hedged item matures<span class=\"_ _0\"></span>, is sold or is repaid.<span class=\"_ _35a\"> </span>If a derivative no longer meet<span class=\"_ _0\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _0\"></span>t still effective<span class=\"_ _0\"></span>, including LIBOR-link<span class=\"_ _0\"></span>ed derivatives cancelled as a r<span class=\"_ _0\"></span>esult of Interbank Offered R<span class=\"_ _0\"></span>ate (IBOR) ref<span class=\"_ _0\"></span>orms, the fair v<span class=\"_ _0\"></span>alue adjustment relating t<span class=\"_ _0\"></span>o the hedged assets or liabilities within the hedge relationship prior to the deriv<span class=\"_ _0\"></span>ative becoming ineffective or being cancelled r<span class=\"_ _0\"></span>emains on the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position and is amortised over the r<span class=\"_ _0\"></span>emaining life of the hedged assets or liabilities<span class=\"_ _0\"></span>. The rate o<span class=\"_ _0\"></span>f amor<span class=\"_ _3\"></span>tisation ov<span class=\"_ _0\"></span>er the remaining life is in line with expected income or cos<span class=\"_ _0\"></span>t generate<span class=\"_ _0\"></span>d from the hedged assets or liabilities<span class=\"_ _0\"></span>. Each reporting period, the expectation is compar<span class=\"_ _0\"></span>ed to actual with an accelerated run-o<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>f applied where the tw<span class=\"_ _0\"></span>o diver<span class=\"_ _0\"></span>ge by more than set paramet<span class=\"_ _0\"></span>ers.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-425": {
   "value": "<div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs278\">t) <span class=\"_ _d\"> </span>Pr<span class=\"_ _3\"></span>ovisions an<span class=\"_ _3\"></span>d contingent li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs279\">A provision is r<span class=\"_ _0\"></span>ecognised when there is a presen<span class=\"_ _0\"></span>t obligation as a result of a past e<span class=\"_ _0\"></span>vent, it is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs27a\">probable that the obligation will be settled and the amoun<span class=\"_ _0\"></span>t can be estimated r<span class=\"_ _0\"></span>eliably. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs27b\">Provisions include ECLs on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s undrawn loan commitment<span class=\"_ _0\"></span>s. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-426": {
   "value": "<div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs27d\">Contingent liabilities ar<span class=\"_ _0\"></span>e possible obligations arising from past e<span class=\"_ _0\"></span>vents<span class=\"_ _0\"></span>, whose exis<span class=\"_ _0\"></span>tence will </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs27e\">be confirmed only by uncertain future ev<span class=\"_ _0\"></span>ents<span class=\"_ _0\"></span>, or present obligations arising from pas<span class=\"_ _0\"></span>t ev<span class=\"_ _0\"></span>ents </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs27f\">which are either not probable or the amoun<span class=\"_ _0\"></span>t of the obligation cannot be reliably measur<span class=\"_ _0\"></span>ed. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs280\">Contingent liabilities ar<span class=\"_ _0\"></span>e not recognised but disclosed. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-428": {
   "value": "<div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs282\">u<span class=\"_ _0\"></span>) <span class=\"_ _f\"> </span>Employee benefits<span class=\"_ _0\"></span> \u2013 defined contri<span class=\"_ _0\"></span>bution sch<span class=\"_ _0\"></span>eme<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs283\">The Group contribut<span class=\"_ _0\"></span>es to defined contribution per<span class=\"_ _0\"></span>sonal pension plans or defined contribution </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs284\">retiremen<span class=\"_ _0\"></span>t benefit schemes for all qualifying employees who subscribe to the terms and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs285\">conditions of the schemes<span class=\"_ _0\"></span>\u2019 policies<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs286\">Obligations for contributions to de<span class=\"_ _0\"></span>fined contribution pension arrangemen<span class=\"_ _0\"></span>ts are recognised as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs287\">an expense in pro<span class=\"_ _0\"></span>fit or loss as incurred.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-427": {
   "value": "<div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs289\">v)<span class=\"_ _0\"></span> <span class=\"_ _c\"> </span>Shar<span class=\"_ _0\"></span>e-based payments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs28a\">Equity-settled share-based paymen<span class=\"_ _0\"></span>ts to employees pro<span class=\"_ _0\"></span>viding ser<span class=\"_ _3\"></span>vices are measur<span class=\"_ _0\"></span>ed at the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs28b\">fair value o<span class=\"_ _0\"></span>f the equity instruments at the gr<span class=\"_ _0\"></span>ant date in accor<span class=\"_ _0\"></span>dance with IFRS 2. The fair value </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs28c\">ex<span class=\"_ _0\"></span>cludes the ef<span class=\"_ _3\"></span>fect of non-mark<span class=\"_ _0\"></span>et-base<span class=\"_ _0\"></span>d vesting conditions<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs28d\">The cost o<span class=\"_ _0\"></span>f the awar<span class=\"_ _0\"></span>ds is charged on a s<span class=\"_ _0\"></span>traight-line basis to pr<span class=\"_ _0\"></span>ofit or loss (with a corresponding </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs28e\">increase in the share-base<span class=\"_ _0\"></span>d payment reserve within equity) ov<span class=\"_ _0\"></span>er the ves<span class=\"_ _0\"></span>ting period in which </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs28f\">the employees become entitled to the aw<span class=\"_ _0\"></span>ards<span class=\"_ _0\"></span>. The increase within the share-base<span class=\"_ _0\"></span>d payment </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs290\">reserve is reclassified t<span class=\"_ _0\"></span>o retained earnings upon e<span class=\"_ _0\"></span>xercise. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs291\">The amount recognise<span class=\"_ _0\"></span>d as an expense for non-mark<span class=\"_ _0\"></span>et conditions and related service </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs292\">conditions is adjuste<span class=\"_ _0\"></span>d each reporting period to reflect the actual number o<span class=\"_ _0\"></span>f awar<span class=\"_ _0\"></span>ds expected </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs293\">to be met. The amount r<span class=\"_ _0\"></span>ecognised as an expense for aw<span class=\"_ _0\"></span>ards subject to mark<span class=\"_ _0\"></span>et conditions is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs294\">based on the proportion that is expected t<span class=\"_ _0\"></span>o meet the condition as assessed at the grant date<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs295\">No adjustmen<span class=\"_ _0\"></span>t is made to the fair value of each a<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>d calculated at gran<span class=\"_ _0\"></span>t date. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs296\">Share-based payment<span class=\"_ _0\"></span>s that are not subject to further ves<span class=\"_ _0\"></span>ting conditions (i.e. the Def<span class=\"_ _0\"></span>erred </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs297\">Share Bonus Plan (DSBP) f<span class=\"_ _0\"></span>or senior managers) are e<span class=\"_ _0\"></span>xpensed in the year servic<span class=\"_ _3\"></span>es are r<span class=\"_ _0\"></span>eceived </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs298\">with a corresponding increase in e<span class=\"_ _0\"></span>quity.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs299\">Where the allo<span class=\"_ _0\"></span>wable cost o<span class=\"_ _0\"></span>f share-based options or aw<span class=\"_ _0\"></span>ards for tax purposes is gr<span class=\"_ _0\"></span>eater than the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs29a\">cost det<span class=\"_ _0\"></span>ermined in accordance with IFRS 2, the tax effect of the e<span class=\"_ _0\"></span>xcess is tak<span class=\"_ _0\"></span>en to the share-based </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs29b\">payment reserve within equity. The t<span class=\"_ _0\"></span>ax ef<span class=\"_ _3\"></span>fect is r<span class=\"_ _0\"></span>eclassified to retained earnings upon v<span class=\"_ _0\"></span>esting. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs29c\">Employer\u2019<span class=\"_ _0\"></span>s national insur<span class=\"_ _0\"></span>ance is charged to pr<span class=\"_ _0\"></span>ofit or loss at the share price at the reporting </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs29d\">date on the same service or vesting sche<span class=\"_ _0\"></span>dules as the underlying options and awar<span class=\"_ _0\"></span>ds. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs29e\">Own shares are r<span class=\"_ _0\"></span>ecorded at cost and deduc<span class=\"_ _0\"></span>ted from equity and repr<span class=\"_ _0\"></span>esent shares of OSB<span class=\"_ _0\"></span>G </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs29f\">that are held by the EB<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-538": {
   "value": "Own shares are r<span class=\"_ _0\"></span>ecorded at cost and deduc<span class=\"_ _0\"></span>ted from equity and repr<span class=\"_ _0\"></span>esent shares of OSB<span class=\"_ _0\"></span>G that are held by the EB<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-432": {
   "value": "<div class=\"t m1 hb ff6 fs7 fc4 sc0 ls165 ws179 gs2a1\">w) L<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a2\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s leases are pr<span class=\"_ _0\"></span>edominantly for property leases where the Gr<span class=\"_ _0\"></span>oup is a lessee. At lease </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a3\">commencement date<span class=\"_ _0\"></span>, the Group recognises the right-o<span class=\"_ _0\"></span>f-use asset and lease liability on the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a4\">st<span class=\"_ _0\"></span>atement of financial position, ex<span class=\"_ _0\"></span>cept for leases of lo<span class=\"_ _0\"></span>w-<span class=\"_ _0\"></span>value assets and short-term leases </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a5\">of 12 months or less ar<span class=\"_ _0\"></span>e recognised directly in pro<span class=\"_ _0\"></span>fit or loss on a straigh<span class=\"_ _0\"></span>t-line basis over the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a6\">lease<span class=\"_ gs2a\"> </span>term.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a7\">Le<span class=\"_ _0\"></span>ase liability payments are recognise<span class=\"_ _0\"></span>d within financing activities in the Consolidated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a8\">Statemen<span class=\"_ _0\"></span>t of Cash Flows<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2a9\">The Group assesses the lik<span class=\"_ _0\"></span>ely impact of early t<span class=\"_ _0\"></span>erminations in recognising the right-of-use asset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2aa\">and lease liability where an option to t<span class=\"_ _0\"></span>erminate early exis<span class=\"_ _0\"></span>ts. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ab\">For modifications that increase the length o<span class=\"_ _0\"></span>f a lease; the modified lease term is determine<span class=\"_ _0\"></span>d, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ac\">and the lease liability remeasur<span class=\"_ _0\"></span>ed by discounting the revise<span class=\"_ _0\"></span>d lease payments using a re<span class=\"_ _0\"></span>vised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ad\">discount r<span class=\"_ _0\"></span>ate, at the effective date o<span class=\"_ _0\"></span>f the lease modification; a corresponding adjus<span class=\"_ _0\"></span>tment is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ae\">made to the right-o<span class=\"_ _0\"></span>f-use asset. Where modifications decrease the length of a le<span class=\"_ _0\"></span>ase, the lease </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2af\">liability and right-of-use asset ar<span class=\"_ _0\"></span>e reduced in proportion to the reduction in the le<span class=\"_ _0\"></span>ase term, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2b0\">with any gain or loss recognised in pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-505": {
   "value": "<div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs2b2\">x) <span class=\"_ _f\"> </span>A<span class=\"_ _3\"></span>doption of new s<span class=\"_ _3\"></span>tandards<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs2b3\">Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d and adopte<span class=\"_ _3\"></span>d for the f<span class=\"_ _3\"></span>irst time in th<span class=\"_ _3\"></span>e </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs2b4\">year e<span class=\"_ _3\"></span>nded 31 D<span class=\"_ _3\"></span>ecemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2b5\">The follo<span class=\"_ _0\"></span>wing amendments to IFRS issued by the In<span class=\"_ _0\"></span>ternational Accounting Standar<span class=\"_ _0\"></span>ds Board </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2b6\">(IASB) ar<span class=\"_ _0\"></span>e applicable for the firs<span class=\"_ _0\"></span>t time this year:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2b7\">\u2022 <span class=\"_ _15\"> </span>Non-current Liabilities with Cov<span class=\"_ _0\"></span>enants<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2b8\">\u2022 <span class=\"_ _15\"> </span>Classification of Liabilities as Current or Non-curr<span class=\"_ _0\"></span>ent<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2b9\">\u2022 <span class=\"_ _15\"> </span>Supplier Finance Arrangements<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ba\">\u2022 <span class=\"_ _15\"> </span>Lease Liability in a Sale and L<span class=\"_ _0\"></span>easeback<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2bb\">None of the abov<span class=\"_ _0\"></span>e have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s financial statement<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls166 ws17a gs2bc\">Exemptions<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2bd\">The Group has applied the tempor<span class=\"_ _0\"></span>ary exception issue<span class=\"_ _0\"></span>d by IASB from the accounting </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2be\">requiremen<span class=\"_ _0\"></span>ts for deferr<span class=\"_ _0\"></span>ed taxes in IA<span class=\"_ _0\"></span>S 12 \u2018Income T<span class=\"_ _0\"></span>axes<span class=\"_ _2\"></span>\u2019. Accordingly, the Group neither </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2bf\">recognises nor discloses information about de<span class=\"_ _0\"></span>ferred tax asset<span class=\"_ _0\"></span>s and liabilities related to Pillar 2 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2c0\">income taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div>Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d but not yet e<span class=\"_ _3\"></span>ffe<span class=\"_ _3\"></span>ctive whi<span class=\"_ _3\"></span>ch are applic<span class=\"_ _3\"></span>able to the G<span class=\"_ _3\"></span>roup In April 2024<span class=\"_ _0\"></span>, the IASB r<span class=\"_ _0\"></span>eleased IFRS 18 Present<span class=\"_ _0\"></span>ation and Disclosure in Financial Statemen<span class=\"_ _0\"></span>ts which is designed to giv<span class=\"_ _0\"></span>e more comparability betw<span class=\"_ _0\"></span>een entities in the presentation and classification of items within the income s<span class=\"_ _0\"></span>tatement and ar<span class=\"_ _0\"></span>ound management-defined performance measures<span class=\"_ _0\"></span>. The Group is currently assessing the impact<span class=\"_ _0\"></span>s of this standar<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>Certain other amendments to accounting s<span class=\"_ _0\"></span>tandards and in<span class=\"_ _0\"></span>terpretations that w<span class=\"_ _0\"></span>ere not effective on 31 December 2024 have not been early-adop<span class=\"_ _0\"></span>ted by the Group. The adoption of these amendments is not e<span class=\"_ _0\"></span>xpected to have a mat<span class=\"_ _0\"></span>erial impact on the financial statemen<span class=\"_ _0\"></span>ts of the Group in future periods<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-430": {
   "value": "x) <span class=\"_ _f\"> </span>A<span class=\"_ _3\"></span>doption of new s<span class=\"_ _3\"></span>tandards<span class=\"_ _35a\"> </span>Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d and adopte<span class=\"_ _3\"></span>d for the f<span class=\"_ _3\"></span>irst time in th<span class=\"_ _3\"></span>e year e<span class=\"_ _3\"></span>nded 31 D<span class=\"_ _3\"></span>ecemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing amendments to IFRS issued by the In<span class=\"_ _0\"></span>ternational Accounting Standar<span class=\"_ _0\"></span>ds Board (IASB) ar<span class=\"_ _0\"></span>e applicable for the firs<span class=\"_ _0\"></span>t time this year:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Non-current Liabilities with Cov<span class=\"_ _0\"></span>enants<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Classification of Liabilities as Current or Non-curr<span class=\"_ _0\"></span>ent<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Supplier Finance Arrangements<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Lease Liability in a Sale and L<span class=\"_ _0\"></span>easeback<span class=\"_ _35a\"> </span>None of the abov<span class=\"_ _0\"></span>e have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s financial statement<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Exemptions<span class=\"_ _35a\"> </span>The Group has applied the tempor<span class=\"_ _0\"></span>ary exception issue<span class=\"_ _0\"></span>d by IASB from the accounting requiremen<span class=\"_ _0\"></span>ts for deferr<span class=\"_ _0\"></span>ed taxes in IA<span class=\"_ _0\"></span>S 12 \u2018Income T<span class=\"_ _0\"></span>axes<span class=\"_ _2\"></span>\u2019. Accordingly, the Group neither recognises nor discloses information about de<span class=\"_ _0\"></span>ferred tax asset<span class=\"_ _0\"></span>s and liabilities related to Pillar 2 income taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfInitialApplicationOfStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-479": {
   "value": "x) <span class=\"_ _f\"> </span>A<span class=\"_ _3\"></span>doption of new s<span class=\"_ _3\"></span>tandards<span class=\"_ _35a\"> </span>Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d and adopte<span class=\"_ _3\"></span>d for the f<span class=\"_ _3\"></span>irst time in th<span class=\"_ _3\"></span>e year e<span class=\"_ _3\"></span>nded 31 D<span class=\"_ _3\"></span>ecemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing amendments to IFRS issued by the In<span class=\"_ _0\"></span>ternational Accounting Standar<span class=\"_ _0\"></span>ds Board (IASB) ar<span class=\"_ _0\"></span>e applicable for the firs<span class=\"_ _0\"></span>t time this year:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Non-current Liabilities with Cov<span class=\"_ _0\"></span>enants<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Classification of Liabilities as Current or Non-curr<span class=\"_ _0\"></span>ent<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Supplier Finance Arrangements<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Lease Liability in a Sale and L<span class=\"_ _0\"></span>easeback<span class=\"_ _35a\"> </span>None of the abov<span class=\"_ _0\"></span>e have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s financial statement<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span>Exemptions<span class=\"_ _35a\"> </span>The Group has applied the tempor<span class=\"_ _0\"></span>ary exception issue<span class=\"_ _0\"></span>d by IASB from the accounting requiremen<span class=\"_ _0\"></span>ts for deferr<span class=\"_ _0\"></span>ed taxes in IA<span class=\"_ _0\"></span>S 12 \u2018Income T<span class=\"_ _0\"></span>axes<span class=\"_ _2\"></span>\u2019. Accordingly, the Group neither recognises nor discloses information about de<span class=\"_ _0\"></span>ferred tax asset<span class=\"_ _0\"></span>s and liabilities related to Pillar 2 income taxes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d but not yet e<span class=\"_ _3\"></span>ffe<span class=\"_ _3\"></span>ctive whi<span class=\"_ _3\"></span>ch are applic<span class=\"_ _3\"></span>able to the G<span class=\"_ _3\"></span>roup In April 2024<span class=\"_ _0\"></span>, the IASB r<span class=\"_ _0\"></span>eleased IFRS 18 Present<span class=\"_ _0\"></span>ation and Disclosure in Financial Statemen<span class=\"_ _0\"></span>ts which is designed to giv<span class=\"_ _0\"></span>e more comparability betw<span class=\"_ _0\"></span>een entities in the presentation and classification of items within the income s<span class=\"_ _0\"></span>tatement and ar<span class=\"_ _0\"></span>ound management-defined performance measures<span class=\"_ _0\"></span>. The Group is currently assessing the impact<span class=\"_ _0\"></span>s of this standar<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span>Certain other amendments to accounting s<span class=\"_ _0\"></span>tandards and in<span class=\"_ _0\"></span>terpretations that w<span class=\"_ _0\"></span>ere not effective on 31 December 2024 have not been early-adop<span class=\"_ _0\"></span>ted by the Group. The adoption of these amendments is not e<span class=\"_ _0\"></span>xpected to have a mat<span class=\"_ _0\"></span>erial impact on the financial statemen<span class=\"_ _0\"></span>ts of the Group in future periods<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-429": {
   "value": "<div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs2c2\">Internatio<span class=\"_ _3\"></span>nal fina<span class=\"_ _3\"></span>ncial rep<span class=\"_ _3\"></span>ortin<span class=\"_ _3\"></span>g standard<span class=\"_ _3\"></span>s issue<span class=\"_ _3\"></span>d but not yet e<span class=\"_ _3\"></span>ffe<span class=\"_ _3\"></span>ctive whi<span class=\"_ _3\"></span>ch are </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs2c3\">applic<span class=\"_ _3\"></span>able to the G<span class=\"_ _3\"></span>roup </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs2c4\">In April 2024<span class=\"_ _0\"></span>, the IASB r<span class=\"_ _0\"></span>eleased IFRS 18 Present<span class=\"_ _0\"></span>ation and Disclosure in Financial Statemen<span class=\"_ _0\"></span>ts </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2c5\">which is designed to giv<span class=\"_ _0\"></span>e more comparability betw<span class=\"_ _0\"></span>een entities in the presentation and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2c6\">classification of items within the income s<span class=\"_ _0\"></span>tatement and ar<span class=\"_ _0\"></span>ound management-defined </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2c7\">performance measures<span class=\"_ _0\"></span>. The Group is currently assessing the impact<span class=\"_ _0\"></span>s of this standar<span class=\"_ _0\"></span>d.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs2c8\">Certain other amendments to accounting s<span class=\"_ _0\"></span>tandards and in<span class=\"_ _0\"></span>terpretations that w<span class=\"_ _0\"></span>ere not effective </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2c9\">on 31 December 2024 have not been early-adop<span class=\"_ _0\"></span>ted by the Group. The adoption of these </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ca\">amendments is not e<span class=\"_ _0\"></span>xpected to have a mat<span class=\"_ _0\"></span>erial impact on the financial statemen<span class=\"_ _0\"></span>ts of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2cb\">Group in future periods<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-431": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs2cd\">2. <span class=\"_ _11\"> </span> <span class=\"_ _23\"></span>Judgements in applying ac<span class=\"_ _3\"></span>counting policies and critical </div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs2ce\">acc<span class=\"_ _3\"></span>ounting<span class=\"_ gs2cf\"> </span>estimates<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d0\">In preparing these financial s<span class=\"_ _0\"></span>tatements<span class=\"_ _0\"></span>, the Group has made judgements<span class=\"_ _0\"></span>, estimat<span class=\"_ _0\"></span>es and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d1\">assumptions which affect the reported amounts within the curren<span class=\"_ _0\"></span>t and future financial years<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d2\">Actual results may differ from these es<span class=\"_ _0\"></span>timates<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d3\">As set out in the Str<span class=\"_ _0\"></span>ategic Report on page 100, climat<span class=\"_ _0\"></span>e change is a global challenge and an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d4\">emerging risk to businesses<span class=\"_ _0\"></span>, people and the environmen<span class=\"_ _0\"></span>t. Therefor<span class=\"_ _0\"></span>e, in preparing the financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d5\">st<span class=\"_ _0\"></span>atements<span class=\"_ _0\"></span>, the Group has considered the impact of climat<span class=\"_ _0\"></span>e-related risk<span class=\"_ _0\"></span>s on its financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d6\">position and performance, including the impact on ECL<span class=\"_ _0\"></span> and redemption pro<span class=\"_ _0\"></span>files included in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d7\">EIR. While the effects of climat<span class=\"_ _0\"></span>e change represent a source o<span class=\"_ _0\"></span>f uncer<span class=\"_ _3\"></span>tain<span class=\"_ _0\"></span>ty, the Group does not </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d8\">consider there to be a material impact on it<span class=\"_ _0\"></span>s judgements and estimat<span class=\"_ _0\"></span>es from the physical or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2d9\">transition risk<span class=\"_ _0\"></span>s in the short term. As part of the Group\u2019<span class=\"_ _2\"></span>s recognition of climate risk and o<span class=\"_ _0\"></span>verall </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2da\">Environmen<span class=\"_ _0\"></span>tal, Social and Governance (E<span class=\"_ _0\"></span>SG) agenda, the Group considers the physic<span class=\"_ _0\"></span>al risks </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2db\">of climate change and has r<span class=\"_ _0\"></span>etained a post-model adjus<span class=\"_ _0\"></span>tment (PMA) of \u00a30<span class=\"_ _0\"></span>.3m (2<span class=\"_ _0\"></span>023: \u00a30<span class=\"_ _0\"></span>.5m) as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2dc\">of 31 December 2024<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2dd\">Estimat<span class=\"_ _0\"></span>es and judgements are r<span class=\"_ _0\"></span>egularly revie<span class=\"_ _0\"></span>wed based on pas<span class=\"_ _0\"></span>t experience, e<span class=\"_ _0\"></span>xpectations of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2de\">future ev<span class=\"_ _0\"></span>ents and other fac<span class=\"_ _0\"></span>tors<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 lsfc wsfb gs2df\">Judgements<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2e0\">The Group has made the follo<span class=\"_ _0\"></span>wing k<span class=\"_ _0\"></span>ey judgements in applying the accounting policies:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls167 ws149 gs2e1\">(i) <span class=\"_ _3b\"> </span>Loan boo<span class=\"_ _0\"></span>k impai<span class=\"_ _0\"></span>rments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fcc sc0 ls0 ws0 gs2e2\">Signif<span class=\"_ _3\"></span>icant incr<span class=\"_ _3\"></span>ease in cr<span class=\"_ _3\"></span>edit risk fo<span class=\"_ _3\"></span>r classif<span class=\"_ _3\"></span>ication in s<span class=\"_ _3\"></span>tage 2<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2e3\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s SICR rules considers changes in de<span class=\"_ _0\"></span>fault risk, internal impairmen<span class=\"_ _0\"></span>t measures, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2e4\">changes in cust<span class=\"_ _0\"></span>omer credit bureau files<span class=\"_ _0\"></span>, or whether forbearance me<span class=\"_ _0\"></span>asures had been applied. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs2e6\">(ii<span class=\"_ _3\"></span>) <span class=\"_ _13e\"> </span>I<span class=\"_ _3\"></span>FRS 9 clas<span class=\"_ _3\"></span>sific<span class=\"_ _3\"></span>ation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2e7\">Application of the \u2018business model\u2019 r<span class=\"_ _0\"></span>equirements under IFRS 9 r<span class=\"_ _0\"></span>equires the Group to conclude </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2e8\">on the business models that it operat<span class=\"_ _0\"></span>es and is a fundamental aspect in determining the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2e9\">classification of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial asset<span class=\"_ _0\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ea\">Management assessed the int<span class=\"_ _0\"></span>ention for holding financial assets and the contr<span class=\"_ _0\"></span>actual terms of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2eb\">those assets<span class=\"_ _0\"></span>, concluding that the Group\u2019<span class=\"_ _2\"></span>s business model is a \u2018held to collect\u2019 business model. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ec\">This conclusion was r<span class=\"_ _0\"></span>eached on the basis that the Group originates and purchases lo<span class=\"_ _0\"></span>ans and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ed\">advances with the inten<span class=\"_ _0\"></span>tion to collect contractual c<span class=\"_ _0\"></span>ash flows ov<span class=\"_ _0\"></span>er the life of the originated or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ee\">purchased financial ins<span class=\"_ _0\"></span>trument. The Group considered the PMF 2<span class=\"_ _0\"></span>024-2 securitisation that led </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ef\">to the derecognition o<span class=\"_ _0\"></span>f \u00a31,249<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9m o<span class=\"_ _0\"></span>f mor<span class=\"_ _3\"></span>tgages and concluded that the siz<span class=\"_ _0\"></span>e and frequency of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f0\">such transactions did not affect the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s o<span class=\"_ _0\"></span>verall business model.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f1\">The Group considers whe<span class=\"_ _0\"></span>ther the contractual terms o<span class=\"_ _0\"></span>f a financial asset give rise on specified </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f2\">dates to cash flo<span class=\"_ _0\"></span>ws that are SPPI on the principal amount out<span class=\"_ _0\"></span>standing when applying the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f3\">classification criteria of IFR<span class=\"_ _0\"></span>S 9<span class=\"_ _2\"></span>. The majority of the Group\u2019<span class=\"_ _2\"></span>s assets being loans and advances </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f4\">to cus<span class=\"_ _0\"></span>tomers which have been accoun<span class=\"_ _0\"></span>ted for under amortised cost with the ex<span class=\"_ _0\"></span>ception of one </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f5\">acquired mortgage book of \u00a312.<span class=\"_ _2\"></span>9m (202<span class=\"_ _0\"></span>3: \u00a3<span class=\"_ _3\"></span>13<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) that is recognised at FVTPL.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs2f6\">(ii<span class=\"_ _3\"></span>i) <span class=\"_ _19\"> </span>De<span class=\"_ _3\"></span>reco<span class=\"_ _3\"></span>gnition of fin<span class=\"_ _3\"></span>ancial as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f7\">Management judgement w<span class=\"_ _0\"></span>as require<span class=\"_ _0\"></span>d in determining the extent t<span class=\"_ _0\"></span>o which the Group retains </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f8\">risk<span class=\"_ _0\"></span>s and rew<span class=\"_ _0\"></span>ards on mortgage assets tr<span class=\"_ _0\"></span>ansferred as part of the PMF 2024-2 securitisation. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2f9\">The Group tr<span class=\"_ _0\"></span>ansferred \u00a31,249<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9m of mortgages to the securitisation special purpose vehicle </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2fa\">(SPV<span class=\"_ _3\"></span>), receiving 7<span class=\"_ _0\"></span>0% of the Class A notes issued by the SPV and 5% o<span class=\"_ _0\"></span>f other tranches. No </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2fb\">residual certificates wer<span class=\"_ _0\"></span>e retained. The Gr<span class=\"_ _0\"></span>oup concluded that substantially all o<span class=\"_ _0\"></span>f the risks </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2fc\">and re<span class=\"_ _0\"></span>wards o<span class=\"_ _0\"></span>f the mortgages were tr<span class=\"_ _0\"></span>ansferred to other not<span class=\"_ _0\"></span>e and cer<span class=\"_ _3\"></span>tificate holder<span class=\"_ _0\"></span>s and thus </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2fd\">derecognised the mortgages at the point o<span class=\"_ _0\"></span>f sale.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 lsb1 wsae gs2fe\">Estima<span class=\"_ _0\"></span>tes<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs2ff\">The Group has made the follo<span class=\"_ _0\"></span>wing estimates in the applic<span class=\"_ _0\"></span>ation of the accounting policies that </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs300\">have a significan<span class=\"_ _0\"></span>t risk of material adjustmen<span class=\"_ _0\"></span>t to the carrying amount of asset<span class=\"_ _0\"></span>s and liabilities </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs301\">within the next financial year:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls167 ws149 gs302\">(i) <span class=\"_ _3b\"> </span>Loan boo<span class=\"_ _0\"></span>k impai<span class=\"_ _0\"></span>rments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs303\">Set out below ar<span class=\"_ _0\"></span>e details of the critical accounting es<span class=\"_ _0\"></span>timates which underpin loan impairment </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs304\">calculations<span class=\"_ _0\"></span>. Less significant es<span class=\"_ _0\"></span>timates are not discussed as they ar<span class=\"_ _0\"></span>e not expected to hav<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs305\">a material effect in next 12 mon<span class=\"_ _0\"></span>ths. The Group has reco<span class=\"_ _0\"></span>gnised total impairments o<span class=\"_ _0\"></span>f \u00a3126.<span class=\"_ _2\"></span>9m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs306\">(2023: \u00a3145<span class=\"_ _0\"></span>.8m) at the reporting date as disclosed in note 2<span class=\"_ _0\"></span>0.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fcc sc0 ls146 ws14e gs308\">Mod<span class=\"_ _3\"></span>elled imp<span class=\"_ _3\"></span>airment<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs309\">Modelled pro<span class=\"_ _0\"></span>vision assessments are also subject to es<span class=\"_ _0\"></span>timation uncertainty, underpinned </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs30a\">by<span class=\"_ gs2a\"> </span>a number of es<span class=\"_ _0\"></span>timates being made by management which are utilised within impairmen<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs30b\">calculations<span class=\"_ _0\"></span>. Key areas o<span class=\"_ _0\"></span>f estimation within modelled pr<span class=\"_ _0\"></span>ovisioning calculations include those </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs30c\">regar<span class=\"_ _0\"></span>ding the L<span class=\"_ _0\"></span>GD and forwar<span class=\"_ _0\"></span>d-looking macroeconomic scenarios. </div><div class=\"t m1 hb ff6 fs7 fcc sc0 lsfc wsfb gs30d\">Loss giv<span class=\"_ _0\"></span>en default model<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs30e\">The Group has a number of L<span class=\"_ _2\"></span>GD models, which include estimat<span class=\"_ _0\"></span>es regarding pr<span class=\"_ _0\"></span>opensity to go </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs30f\">to possession given de<span class=\"_ _0\"></span>fault (PPD), force<span class=\"_ _0\"></span>d sale discount, time to sale and sale costs<span class=\"_ _0\"></span>. The L<span class=\"_ _0\"></span>GD is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs310\">sensitive to the applic<span class=\"_ _0\"></span>ation of the HPI, with an 8% haircut (2023: an 8% hair<span class=\"_ _0\"></span>cut) seen to be a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs311\">reasonable percen<span class=\"_ _0\"></span>tage change for a sensitivity when re<span class=\"_ _0\"></span>viewing his<span class=\"_ _0\"></span>torical and expected 12-mon<span class=\"_ _0\"></span>th<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs312\">outcomes<span class=\"_ _0\"></span>. The table below sho<span class=\"_ _0\"></span>ws the resulting increment<span class=\"_ _0\"></span>al provision re<span class=\"_ _0\"></span>quired in an 8% house price </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs313\">haircut (2<span class=\"_ _0\"></span>023: an 8% house price haircut) being directly applied to all e<span class=\"_ _0\"></span>xposures at 31 December </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs314\">2024 which not only adjus<span class=\"_ _0\"></span>t the sale discount but also the propensity to go to possession.<span class=\"_ _35a\"> </span></div><div class=\"gs315\"><table class=\"s w166 hbf\" id=\"_38971333-c095-435d-83ea-16afbea7cfe5\"><tr><td></td><td class=\"t m1 x2cb h21 y3dd1 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3dd1 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x40d h21 y3dd2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3dd2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3dd3 w167 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n x40e y3dd4 w168 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">22.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x40f y3dd4 w169 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls11d ws120\">25<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd5 w16a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n x410 y3dd6 w16b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x411 y3dd6 w16c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">11.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w16d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls104 ws59\">Group<span class=\"_ _35a\"> </span></div></td><td class=\"c n x412 y3d5a w16e hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsce ws70\">31.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x413 y3d5a w16f hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs316\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s forec<span class=\"_ _0\"></span>asts of HPI mo<span class=\"_ _0\"></span>vements use<span class=\"_ _0\"></span>d in the impairment models are disclosed in the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs317\">Risk profile performance r<span class=\"_ _0\"></span>eview on page 64<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fcc sc0 ls108 ws105 gs318\">Forward-looking macroeconomic scenarios<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs319\">The forwar<span class=\"_ _0\"></span>d-looking macroeconomic scenarios affect all model components of the ECL<span class=\"_ _0\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs31a\">thus the calculation remains sensitiv<span class=\"_ _0\"></span>e to both the scenarios utilised and their associated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs31b\">probability<span class=\"_ gs2a\"> </span>w<span class=\"_ _0\"></span>eightings.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs31c\">The Group has adopted an appr<span class=\"_ _0\"></span>oach which utilises four macroeconomic scenarios<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs31d\">These<span class=\"_ gs2a\"> </span>scenarios are pro<span class=\"_ _0\"></span>vided by a reputable economics advisory firm, pro<span class=\"_ _0\"></span>viding management </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs31e\">and the Board with advice on which scenarios to utilise and the pr<span class=\"_ _0\"></span>obability weightings to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs31f\">attach to each scenario<span class=\"_ _0\"></span>. A base case forecas<span class=\"_ _0\"></span>t is provided, t<span class=\"_ _0\"></span>ogether with a plausible upside </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs320\">scenario. T<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span>o downside scenarios are also pr<span class=\"_ _0\"></span>ovided (do<span class=\"_ _0\"></span>wnside and a sev<span class=\"_ _0\"></span>ere downside<span class=\"_ _0\"></span>). The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs321\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s macroeconomic scenarios can be found in the Cr<span class=\"_ _0\"></span>edit Risk section of the Risk profile </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs322\">performance ov<span class=\"_ _0\"></span>er<span class=\"_ _3\"></span>vie<span class=\"_ _0\"></span>w on page 64.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs324\">The follo<span class=\"_ _0\"></span>wing tables detail the ECL scenario sensitivity analysis with each scenario w<span class=\"_ _0\"></span>eighted at </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs325\">100% probability. The sensitivity analysis is performed without considering the s<span class=\"_ _0\"></span>taging shifts driven </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs326\">by relativ<span class=\"_ _0\"></span>e or absolute PD thresholds. The purpose o<span class=\"_ _0\"></span>f using multiple economic scenarios is to model </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs327\">the non-linear impact of assumptions surr<span class=\"_ _0\"></span>ounding macroeconomic factors and ECL<span class=\"_ _0\"></span> calculated:<span class=\"_ _35a\"> </span></div><div class=\"gs328\"><table class=\"s w170 hc0\" id=\"_cddec020-00b5-4b73-b167-4279a4d093d0\"><tr><td></td><td></td><td class=\"t m1 x415 h21 y3dd7 ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td></td><td class=\"t m1 x416 h21 y3dd7 ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td class=\"t m1 x417 h21 y3dd7 ff1 fs5 fc5 sc0 ls0 ws0\">100% Severe </td></tr><tr><td></td><td class=\"t m1 x418 h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x419 h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">Base case </td><td class=\"t m1 x41a h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">100% Upside </td><td class=\"t m1 x41b h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">Downside </td><td class=\"t m1 x41c h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">downside </td></tr><tr><td class=\"t m1 x41d h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41e h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">(see note 20)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41f h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x420 h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x421 h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x422 h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3ddb w171 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loans b<span class=\"_ _3\"></span>efore provisio<span class=\"_ _3\"></span>ns, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x423 y3ddd w172 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc9 wsc5\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x424 y3ddd w173 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x425 y3ddd w174 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x426 y3ddd w175 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x427 y3ddd w176 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3dde ff2 fs6 fc4 sc0 lseb ws27\">Mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3ddf w177 hc4\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc3 wsc1\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x429 y3ddf w178 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">63.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42a y3ddf w179 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">53.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42b y3ddf w17a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">114<span class=\"_ _0\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42c y3ddf w17b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">153.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de0 ff2 fs6 fc4 sc0 ls0 ws0\">Indiv<span class=\"_ _3\"></span>idually ass<span class=\"_ _3\"></span>esse<span class=\"_ _3\"></span>d provisio<span class=\"_ _3\"></span>ns </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3de1 ff2 fs6 fc4 sc0 ls13 ws11\">ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3de2 w17c hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsf0 wseb\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42d y3de2 w17d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42e y3de2 w17e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42f y3de2 w17f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x430 y3de2 w180 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de3 ff2 fs6 fc4 sc0 ls0 ws0\">Post m<span class=\"_ _3\"></span>odel a<span class=\"_ _3\"></span>djustments EC<span class=\"_ _3\"></span>L, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x431 y3de5 w181 hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x432 y3de5 w182 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x433 y3de5 w183 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x434 y3de5 w184 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x435 y3de5 w185 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls59 wsde\">23.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de6 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x436 y3de7 w186 hc4\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>26<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x437 y3de7 w187 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">108.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x438 y3de7 w188 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x439 y3de7 w189 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">16<span class=\"_ _3\"></span>8.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43a y3de7 w18a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">214.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de8 ff2 fs6 fc4 sc0 ls0 ws0\">ECL covera<span class=\"_ _3\"></span>ge, %<span class=\"_ _35a\"> </span></td><td class=\"c n x43b y3de9 w18b hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc6 ws55\">0.50<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43c y3de9 w18c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43d y3de9 w18d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">0.38<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43e y3de9 w18e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls15f ws16e\">0.67<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43f y3de9 w18f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.85<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x415 h21 y3dea ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td></td><td class=\"t m1 x416 h21 y3dea ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td class=\"t m1 x417 h21 y3dea ff1 fs5 fc5 sc0 ls0 ws0\">100% Severe </td></tr><tr><td></td><td class=\"t m1 x418 h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x419 h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">Base case </td><td class=\"t m1 x41a h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">100% Upside </td><td class=\"t m1 x41b h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">Downside </td><td class=\"t m1 x41c h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">downside </td></tr><tr><td class=\"t m1 x41d h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41e h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">(see note 20)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41f h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x420 h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x421 h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x422 h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3dee w171 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loans b<span class=\"_ _3\"></span>efore provisio<span class=\"_ _3\"></span>ns, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x440 y3df0 w190 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x441 y3dee w191 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x442 y3dee w191 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x443 y3dee w192 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x444 y3dee w192 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3df1 ff2 fs6 fc4 sc0 lseb ws27\">Mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x445 y3df2 w193 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x446 y3df3 w194 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x447 y3df3 w195 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls14 ws12\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x448 y3df3 w196 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x449 y3df3 w197 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls59 wsde\">206.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3df4 ff2 fs6 fc4 sc0 ls0 ws0\">Indiv<span class=\"_ _3\"></span>idually ass<span class=\"_ _3\"></span>esse<span class=\"_ _3\"></span>d provisio<span class=\"_ _3\"></span>ns </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3df5 ff2 fs6 fc4 sc0 ls13 ws11\">ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x445 y3df6 w198 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44a y3df8 w199 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44b y3df8 w19a hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44c y3df8 w19b hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44d y3df8 w19c hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3df9 ff2 fs6 fc4 sc0 ls0 ws0\">Post m<span class=\"_ _3\"></span>odel a<span class=\"_ _3\"></span>djustments EC<span class=\"_ _3\"></span>L, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3dfa w19d hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd2 wsd1\">23.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44e y3dfb w19e hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls101 ws6f\">18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44f y3dfb w19f hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x450 y3dfb w1a0 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x451 y3dfb w1a1 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls1f ws61\">5<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3dfc ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x452 y3dfd w1a2 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd3 ws2\">145.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x453 y3dfe w1a3 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">120.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x454 y3dfe w1a4 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls13 ws11\">98.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x455 y3dfe w1a5 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x456 y3dfe w1a6 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3dff ff2 fs6 fc4 sc0 ls0 ws0\">ECL covera<span class=\"_ _3\"></span>ge, %<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3e01 w1a7 hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.56<span class=\"_ _35a\"> </span></div></td><td class=\"c n x457 y3d5a w1a8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x458 y3d5a w1a9 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x459 y3d5a w1aa hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls15d ws16c\">0<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>76<span class=\"_ _35a\"> </span></div></td><td class=\"c n x45a y3d5a w1ab hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>.11<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs329\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s assessment of ECL<span class=\"_ _0\"></span> primarily focuses on scenarios where economic dis<span class=\"_ _0\"></span>tress is driven by </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs32a\">weak demand. These scenarios typic<span class=\"_ _0\"></span>ally involv<span class=\"_ _0\"></span>e low inflation accompanied by falling in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ates.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs32b\">While the Group ackno<span class=\"_ _0\"></span>wledges that economic distress can also s<span class=\"_ _0\"></span>tem from supply-side shock<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs32c\">(char<span class=\"_ _0\"></span>acterised by high inflation and rising inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates), the analysis suggested that the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs32d\">impact of such scenarios on the ECL<span class=\"_ _0\"></span> calculation is not currently significan<span class=\"_ _0\"></span>t. The Group would </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs32e\">continue to monitor the pot<span class=\"_ _0\"></span>ential impact of supply-driven shock<span class=\"_ _0\"></span>s on ECL<span class=\"_ _0\"></span> and will incorporate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs32f\">these considerations if they become material in futur<span class=\"_ _0\"></span>e reporting periods.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs331\">(ii<span class=\"_ _3\"></span>) <span class=\"_ _13e\"> </span>Ef<span class=\"_ _3\"></span>fe<span class=\"_ _3\"></span>ctive intere<span class=\"_ _3\"></span>st rate on le<span class=\"_ _3\"></span>nding<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs332\">Estimat<span class=\"_ _0\"></span>es are made when calculating the EIR for loan assets<span class=\"_ _0\"></span>. These include the lik<span class=\"_ _0\"></span>ely customer </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs333\">redemption pr<span class=\"_ _0\"></span>ofiles. Mortgage product<span class=\"_ _0\"></span>s of<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ed by the Group include directly attributable net </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs334\">fee income and a period on re<span class=\"_ _0\"></span>version r<span class=\"_ _0\"></span>ates after the fixed/<span class=\"_ _2\"></span>discount period. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs335\">Products r<span class=\"_ _0\"></span>evert to the s<span class=\"_ _0\"></span>tandard variable r<span class=\"_ _0\"></span>ate (SVR) or base r<span class=\"_ _0\"></span>ate plus a margin f<span class=\"_ _0\"></span>or the Kent </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs336\">Reliance (O<span class=\"_ _0\"></span>SB) brand, a SONIA/Base rate plus a margin f<span class=\"_ _0\"></span>or the Precise (CCFS) br<span class=\"_ _0\"></span>and and a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs337\">LIBOR replacement r<span class=\"_ _0\"></span>ate/base rat<span class=\"_ _0\"></span>e for the InterBay br<span class=\"_ _0\"></span>and. Subsequent to origination, changes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs338\">in actual and expecte<span class=\"_ _0\"></span>d customer prepaymen<span class=\"_ _0\"></span>t rates are r<span class=\"_ _0\"></span>eflected as increases or decr<span class=\"_ _0\"></span>eases in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs339\">the carrying value of lo<span class=\"_ _0\"></span>an assets with a corresponding increase or decre<span class=\"_ _0\"></span>ase in interes<span class=\"_ _0\"></span>t income. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs33a\">The Group uses his<span class=\"_ _0\"></span>torical customer behaviour<span class=\"_ _0\"></span>s, e<span class=\"_ _0\"></span>xpected tak<span class=\"_ _0\"></span>e-up rat<span class=\"_ _0\"></span>e of retention pr<span class=\"_ _0\"></span>oducts </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs33b\">and macroeconomic forec<span class=\"_ _0\"></span>asts in its assessmen<span class=\"_ _0\"></span>t of expected pr<span class=\"_ _0\"></span>epayment rates<span class=\"_ _0\"></span>. Customer </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs33c\">prepayment<span class=\"_ _0\"></span>s in a fixed rat<span class=\"_ _0\"></span>e or incentive period can giv<span class=\"_ _0\"></span>e rise to Early Repayment Char<span class=\"_ _0\"></span>ge </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs33d\">(ERC)<span class=\"_ gs2a\"> </span>income<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs33e\">Judgement is used in es<span class=\"_ _0\"></span>timating the expected av<span class=\"_ _0\"></span>erage life of a mortgage<span class=\"_ _0\"></span>, to determine the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs33f\">quantum and timing of r<span class=\"_ _0\"></span>edemptions that incur ERCs, the period o<span class=\"_ _0\"></span>ver which net fee income </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs340\">is recognised and the length of time cus<span class=\"_ _0\"></span>tomers spend on r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sion after the fixed/<span class=\"_ _2\"></span>discounted </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs341\">period. Es<span class=\"_ _0\"></span>timates are re<span class=\"_ _0\"></span>viewe<span class=\"_ _0\"></span>d regularly and during the second half of 2024<span class=\"_ _0\"></span>, the Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs342\">adjust<span class=\"_ _0\"></span>ed behavioural assumptions for both the fix<span class=\"_ _0\"></span>ed period and the rev<span class=\"_ _0\"></span>ersionary period across </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs343\">k<span class=\"_ _0\"></span>ey<span class=\"_ gs2a\"> </span>lending portfolios. Precise borr<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>ers spent c<span class=\"_ _0\"></span>.one month less time on the re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sion rate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs344\">which was sho<span class=\"_ _0\"></span>wn to be a sust<span class=\"_ _0\"></span>ained trend in second half<span class=\"_ _0\"></span>. Borro<span class=\"_ _0\"></span>wers acr<span class=\"_ _0\"></span>oss brands with five </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs345\">year product t<span class=\"_ _0\"></span>erms issued prior to 2023 in the lo<span class=\"_ _0\"></span>wer rat<span class=\"_ _0\"></span>e environment hav<span class=\"_ _0\"></span>e terms which are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs346\">now f<span class=\"_ _0\"></span>avourable to the curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et and their propensity to pr<span class=\"_ _0\"></span>epay in the fixed term w<span class=\"_ _0\"></span>as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs347\">reduced. Borro<span class=\"_ _0\"></span>wer<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 behaviour can be variable as base r<span class=\"_ _0\"></span>ate and mark<span class=\"_ _0\"></span>et dynamics change, and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs348\">we will con<span class=\"_ _0\"></span>tinue to monitor their behaviour for any poten<span class=\"_ _0\"></span>tial impact on the measurement of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs349\">EIR. The adver<span class=\"_ _0\"></span>se EIR adjustmen<span class=\"_ _0\"></span>t was \u00a315.<span class=\"_ _2\"></span>9m (2<span class=\"_ _0\"></span>023: adverse EIR adjus<span class=\"_ _0\"></span>tment of \u00a3210<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) which </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs34a\">reduced net in<span class=\"_ _0\"></span>terest income and lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s. The adjus<span class=\"_ _0\"></span>tment of \u00a3210<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs34b\">in 2023 w<span class=\"_ _0\"></span>as due to a revise<span class=\"_ _0\"></span>d estimate of shorter time spent by Pr<span class=\"_ _0\"></span>ecise customer<span class=\"_ _0\"></span>s on rev<span class=\"_ _0\"></span>ersion, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs34c\">follo<span class=\"_ _0\"></span>wing obser<span class=\"_ _3\"></span>ve<span class=\"_ _0\"></span>d behaviour of quick<span class=\"_ _0\"></span>er refinancing, amid rising BBR-link<span class=\"_ _0\"></span>ed re<span class=\"_ _0\"></span>version r<span class=\"_ _0\"></span>ates </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs34d\">compared to pr<span class=\"_ _0\"></span>eviously observed behavioural tr<span class=\"_ _0\"></span>ends. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs34e\">A two mon<span class=\"_ _0\"></span>ths<span class=\"_ _0\"></span>\u2019 mov<span class=\"_ _0\"></span>ement in the weight<span class=\"_ _0\"></span>ed average time spen<span class=\"_ _0\"></span>t in the rev<span class=\"_ _0\"></span>ersion period for Pr<span class=\"_ _0\"></span>ecise </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs34f\">cust<span class=\"_ _0\"></span>omers is considered to be a r<span class=\"_ _0\"></span>easonably possible change in assumption in a dynamic </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs350\">inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e environment and an uncertain macroeconomic outlook. The impact o<span class=\"_ _0\"></span>f a -/+ two </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs351\">months mov<span class=\"_ _0\"></span>ement in time spent on r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sion by Precise customer<span class=\"_ _0\"></span>s is -/+ \u00a326<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m. \u00a320.<span class=\"_ _0\"></span>8m of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs352\">this total sensitivity r<span class=\"_ _0\"></span>elates to the \u00a33.<span class=\"_ _0\"></span>8bn of loans with product terms issue<span class=\"_ _0\"></span>d up to the end of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs353\">2022. These loans are fr<span class=\"_ _0\"></span>om the annual cohor<span class=\"_ _3\"></span>ts iden<span class=\"_ _0\"></span>tified as having been written in a low<span class=\"_ _0\"></span>-rate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs354\">environmen<span class=\"_ _0\"></span>t. The remaining \u00a36<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1m sensitivity relates to the \u00a36<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1bn in loans with product terms </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs355\">issued from 202<span class=\"_ _0\"></span>3 onwar<span class=\"_ _0\"></span>ds, written in a higher<span class=\"_ _0\"></span>-rate en<span class=\"_ _0\"></span>vironment, where the s<span class=\"_ _0\"></span>tep-up in re<span class=\"_ _0\"></span>version </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs356\">is smaller<span class=\"_ _0\"></span>. Ov<span class=\"_ _0\"></span>er time, the ov<span class=\"_ _0\"></span>erall sensitivity will continue to decline as loans fr<span class=\"_ _0\"></span>om the low<span class=\"_ _0\"></span>-rate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs357\">environmen<span class=\"_ _0\"></span>t reach the end of their fix<span class=\"_ _0\"></span>ed period.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs359\">As base rate incr<span class=\"_ _0\"></span>eased throughout 2022 and 2<span class=\"_ _0\"></span>023, using the EIR approach r<span class=\"_ _0\"></span>esulted in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs35a\">additional monthly net int<span class=\"_ _0\"></span>erest income as the benefit o<span class=\"_ _0\"></span>f time spent on a re<span class=\"_ _0\"></span>version r<span class=\"_ _0\"></span>ate became </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs35b\">greater<span class=\"_ _2\"></span>. Forward r<span class=\"_ _0\"></span>ates are used in the EIR calculation and a decr<span class=\"_ _0\"></span>ease greater than the curren<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs35c\">expected f<span class=\"_ _0\"></span>orward r<span class=\"_ _0\"></span>ate curve leads to a decrease in mon<span class=\"_ _0\"></span>thly net interes<span class=\"_ _0\"></span>t income. Based on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs35d\">the loans and advances to cus<span class=\"_ _0\"></span>tomers balance as at 31 December 2024<span class=\"_ _0\"></span>, if ther<span class=\"_ _0\"></span>e was a 50bps </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs35e\">parallel shift down<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>ds in the forwar<span class=\"_ _0\"></span>d cur<span class=\"_ _3\"></span>ve<span class=\"_ _0\"></span>, it is estimate<span class=\"_ _0\"></span>d that this would decrease mon<span class=\"_ _0\"></span>thly<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs35f\">inter<span class=\"_ _0\"></span>est income by \u00a31.<span class=\"_ _0\"></span>4m acr<span class=\"_ _0\"></span>oss all mor<span class=\"_ _3\"></span>tgage portfolios<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-506": {
   "value": "Estima<span class=\"_ _0\"></span>tes<span class=\"_ _35a\"> </span>The Group has made the follo<span class=\"_ _0\"></span>wing estimates in the applic<span class=\"_ _0\"></span>ation of the accounting policies that have a significan<span class=\"_ _0\"></span>t risk of material adjustmen<span class=\"_ _0\"></span>t to the carrying amount of asset<span class=\"_ _0\"></span>s and liabilities within the next financial year:<span class=\"_ _35a\"> </span>(i) <span class=\"_ _3b\"> </span>Loan boo<span class=\"_ _0\"></span>k impai<span class=\"_ _0\"></span>rments<span class=\"_ _35a\"> </span>Set out below ar<span class=\"_ _0\"></span>e details of the critical accounting es<span class=\"_ _0\"></span>timates which underpin loan impairment calculations<span class=\"_ _0\"></span>. Less significant es<span class=\"_ _0\"></span>timates are not discussed as they ar<span class=\"_ _0\"></span>e not expected to hav<span class=\"_ _0\"></span>e a material effect in next 12 mon<span class=\"_ _0\"></span>ths. The Group has reco<span class=\"_ _0\"></span>gnised total impairments o<span class=\"_ _0\"></span>f \u00a3126.<span class=\"_ _2\"></span>9m (2023: \u00a3145<span class=\"_ _0\"></span>.8m) at the reporting date as disclosed in note 2<span class=\"_ _0\"></span>0.<span class=\"_ _35a\"> </span>Mod<span class=\"_ _3\"></span>elled imp<span class=\"_ _3\"></span>airment<span class=\"_ _35a\"> </span>Modelled pro<span class=\"_ _0\"></span>vision assessments are also subject to es<span class=\"_ _0\"></span>timation uncertainty, underpinned by<span class=\"_ gs2a\"> </span>a number of es<span class=\"_ _0\"></span>timates being made by management which are utilised within impairmen<span class=\"_ _0\"></span>t calculations<span class=\"_ _0\"></span>. Key areas o<span class=\"_ _0\"></span>f estimation within modelled pr<span class=\"_ _0\"></span>ovisioning calculations include those regar<span class=\"_ _0\"></span>ding the L<span class=\"_ _0\"></span>GD and forwar<span class=\"_ _0\"></span>d-looking macroeconomic scenarios. Loss giv<span class=\"_ _0\"></span>en default model<span class=\"_ _35a\"> </span>The Group has a number of L<span class=\"_ _2\"></span>GD models, which include estimat<span class=\"_ _0\"></span>es regarding pr<span class=\"_ _0\"></span>opensity to go to possession given de<span class=\"_ _0\"></span>fault (PPD), force<span class=\"_ _0\"></span>d sale discount, time to sale and sale costs<span class=\"_ _0\"></span>. The L<span class=\"_ _0\"></span>GD is sensitive to the applic<span class=\"_ _0\"></span>ation of the HPI, with an 8% haircut (2023: an 8% hair<span class=\"_ _0\"></span>cut) seen to be a reasonable percen<span class=\"_ _0\"></span>tage change for a sensitivity when re<span class=\"_ _0\"></span>viewing his<span class=\"_ _0\"></span>torical and expected 12-mon<span class=\"_ _0\"></span>th<span class=\"_ _3\"></span> outcomes<span class=\"_ _0\"></span>. The table below sho<span class=\"_ _0\"></span>ws the resulting increment<span class=\"_ _0\"></span>al provision re<span class=\"_ _0\"></span>quired in an 8% house price haircut (2<span class=\"_ _0\"></span>023: an 8% house price haircut) being directly applied to all e<span class=\"_ _0\"></span>xposures at 31 December 2024 which not only adjus<span class=\"_ _0\"></span>t the sale discount but also the propensity to go to possession.<span class=\"_ _35a\"> </span><table class=\"s w166 hbf\" id=\"_38971333-c095-435d-83ea-16afbea7cfe5\"><tr><td></td><td class=\"t m1 x2cb h21 y3dd1 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3dd1 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x40d h21 y3dd2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3dd2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3dd3 w167 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n x40e y3dd4 w168 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">22.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x40f y3dd4 w169 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls11d ws120\">25<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd5 w16a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n x410 y3dd6 w16b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x411 y3dd6 w16c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">11.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w16d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls104 ws59\">Group<span class=\"_ _35a\"> </span></div></td><td class=\"c n x412 y3d5a w16e hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsce ws70\">31.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x413 y3d5a w16f hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s forec<span class=\"_ _0\"></span>asts of HPI mo<span class=\"_ _0\"></span>vements use<span class=\"_ _0\"></span>d in the impairment models are disclosed in the Risk profile performance r<span class=\"_ _0\"></span>eview on page 64<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Forward-looking macroeconomic scenarios<span class=\"_ _35a\"> </span>The forwar<span class=\"_ _0\"></span>d-looking macroeconomic scenarios affect all model components of the ECL<span class=\"_ _0\"></span> thus the calculation remains sensitiv<span class=\"_ _0\"></span>e to both the scenarios utilised and their associated probability<span class=\"_ gs2a\"> </span>w<span class=\"_ _0\"></span>eightings.<span class=\"_ _35a\"> </span>The Group has adopted an appr<span class=\"_ _0\"></span>oach which utilises four macroeconomic scenarios<span class=\"_ _0\"></span>. These<span class=\"_ gs2a\"> </span>scenarios are pro<span class=\"_ _0\"></span>vided by a reputable economics advisory firm, pro<span class=\"_ _0\"></span>viding management and the Board with advice on which scenarios to utilise and the pr<span class=\"_ _0\"></span>obability weightings to attach to each scenario<span class=\"_ _0\"></span>. A base case forecas<span class=\"_ _0\"></span>t is provided, t<span class=\"_ _0\"></span>ogether with a plausible upside scenario. T<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span>o downside scenarios are also pr<span class=\"_ _0\"></span>ovided (do<span class=\"_ _0\"></span>wnside and a sev<span class=\"_ _0\"></span>ere downside<span class=\"_ _0\"></span>). The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s macroeconomic scenarios can be found in the Cr<span class=\"_ _0\"></span>edit Risk section of the Risk profile performance ov<span class=\"_ _0\"></span>er<span class=\"_ _3\"></span>vie<span class=\"_ _0\"></span>w on page 64.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables detail the ECL scenario sensitivity analysis with each scenario w<span class=\"_ _0\"></span>eighted at 100% probability. The sensitivity analysis is performed without considering the s<span class=\"_ _0\"></span>taging shifts driven by relativ<span class=\"_ _0\"></span>e or absolute PD thresholds. The purpose o<span class=\"_ _0\"></span>f using multiple economic scenarios is to model the non-linear impact of assumptions surr<span class=\"_ _0\"></span>ounding macroeconomic factors and ECL<span class=\"_ _0\"></span> calculated:<span class=\"_ _35a\"> </span><table class=\"s w170 hc0\" id=\"_cddec020-00b5-4b73-b167-4279a4d093d0\"><tr><td></td><td></td><td class=\"t m1 x415 h21 y3dd7 ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td></td><td class=\"t m1 x416 h21 y3dd7 ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td class=\"t m1 x417 h21 y3dd7 ff1 fs5 fc5 sc0 ls0 ws0\">100% Severe </td></tr><tr><td></td><td class=\"t m1 x418 h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x419 h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">Base case </td><td class=\"t m1 x41a h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">100% Upside </td><td class=\"t m1 x41b h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">Downside </td><td class=\"t m1 x41c h21 y3dd8 ff1 fs5 fc5 sc0 ls0 ws0\">downside </td></tr><tr><td class=\"t m1 x41d h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41e h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">(see note 20)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41f h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x420 h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x421 h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x422 h21 y3dd9 ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3ddb w171 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loans b<span class=\"_ _3\"></span>efore provisio<span class=\"_ _3\"></span>ns, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x423 y3ddd w172 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc9 wsc5\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x424 y3ddd w173 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x425 y3ddd w174 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x426 y3ddd w175 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x427 y3ddd w176 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3dde ff2 fs6 fc4 sc0 lseb ws27\">Mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3ddf w177 hc4\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc3 wsc1\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x429 y3ddf w178 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">63.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42a y3ddf w179 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">53.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42b y3ddf w17a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">114<span class=\"_ _0\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42c y3ddf w17b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">153.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de0 ff2 fs6 fc4 sc0 ls0 ws0\">Indiv<span class=\"_ _3\"></span>idually ass<span class=\"_ _3\"></span>esse<span class=\"_ _3\"></span>d provisio<span class=\"_ _3\"></span>ns </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3de1 ff2 fs6 fc4 sc0 ls13 ws11\">ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3de2 w17c hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsf0 wseb\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42d y3de2 w17d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42e y3de2 w17e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x42f y3de2 w17f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x430 y3de2 w180 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de3 ff2 fs6 fc4 sc0 ls0 ws0\">Post m<span class=\"_ _3\"></span>odel a<span class=\"_ _3\"></span>djustments EC<span class=\"_ _3\"></span>L, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x431 y3de5 w181 hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x432 y3de5 w182 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x433 y3de5 w183 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x434 y3de5 w184 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x435 y3de5 w185 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls59 wsde\">23.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de6 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x436 y3de7 w186 hc4\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>26<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x437 y3de7 w187 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">108.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x438 y3de7 w188 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x439 y3de7 w189 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">16<span class=\"_ _3\"></span>8.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43a y3de7 w18a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">214.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3de8 ff2 fs6 fc4 sc0 ls0 ws0\">ECL covera<span class=\"_ _3\"></span>ge, %<span class=\"_ _35a\"> </span></td><td class=\"c n x43b y3de9 w18b hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc6 ws55\">0.50<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43c y3de9 w18c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43d y3de9 w18d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">0.38<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43e y3de9 w18e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls15f ws16e\">0.67<span class=\"_ _35a\"> </span></div></td><td class=\"c n x43f y3de9 w18f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.85<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x415 h21 y3dea ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td></td><td class=\"t m1 x416 h21 y3dea ff1 fs5 fc5 sc0 ls0 ws0\">100% </td><td class=\"t m1 x417 h21 y3dea ff1 fs5 fc5 sc0 ls0 ws0\">100% Severe </td></tr><tr><td></td><td class=\"t m1 x418 h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x419 h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">Base case </td><td class=\"t m1 x41a h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">100% Upside </td><td class=\"t m1 x41b h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">Downside </td><td class=\"t m1 x41c h21 y3deb ff1 fs5 fc5 sc0 ls0 ws0\">downside </td></tr><tr><td class=\"t m1 x41d h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41e h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">(see note 20)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x41f h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x420 h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x421 h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td><td class=\"t m1 x422 h21 y3dec ff1 fs5 fc5 sc0 ls0 ws0\">scenario<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3dee w171 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loans b<span class=\"_ _3\"></span>efore provisio<span class=\"_ _3\"></span>ns, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x440 y3df0 w190 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x441 y3dee w191 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x442 y3dee w191 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x443 y3dee w192 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x444 y3dee w192 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3df1 ff2 fs6 fc4 sc0 lseb ws27\">Mo<span class=\"_ _3\"></span>delle<span class=\"_ _3\"></span>d ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x445 y3df2 w193 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x446 y3df3 w194 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x447 y3df3 w195 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls14 ws12\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x448 y3df3 w196 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x449 y3df3 w197 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls59 wsde\">206.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3df4 ff2 fs6 fc4 sc0 ls0 ws0\">Indiv<span class=\"_ _3\"></span>idually ass<span class=\"_ _3\"></span>esse<span class=\"_ _3\"></span>d provisio<span class=\"_ _3\"></span>ns </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3df5 ff2 fs6 fc4 sc0 ls13 ws11\">ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x445 y3df6 w198 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44a y3df8 w199 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44b y3df8 w19a hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44c y3df8 w19b hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44d y3df8 w19c hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3df9 ff2 fs6 fc4 sc0 ls0 ws0\">Post m<span class=\"_ _3\"></span>odel a<span class=\"_ _3\"></span>djustments EC<span class=\"_ _3\"></span>L, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3dfa w19d hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd2 wsd1\">23.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44e y3dfb w19e hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls101 ws6f\">18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x44f y3dfb w19f hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x450 y3dfb w1a0 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x451 y3dfb w1a1 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls1f ws61\">5<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3dfc ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal ECL, \u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n x452 y3dfd w1a2 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd3 ws2\">145.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x453 y3dfe w1a3 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">120.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x454 y3dfe w1a4 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls13 ws11\">98.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x455 y3dfe w1a5 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x456 y3dfe w1a6 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3dff ff2 fs6 fc4 sc0 ls0 ws0\">ECL covera<span class=\"_ _3\"></span>ge, %<span class=\"_ _35a\"> </span></td><td class=\"c n x428 y3e01 w1a7 hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.56<span class=\"_ _35a\"> </span></div></td><td class=\"c n x457 y3d5a w1a8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x458 y3d5a w1a9 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x459 y3d5a w1aa hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls15d ws16c\">0<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>76<span class=\"_ _35a\"> </span></div></td><td class=\"c n x45a y3d5a w1ab hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>.11<span class=\"_ _35a\"> </span></div></td></tr></table>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s assessment of ECL<span class=\"_ _0\"></span> primarily focuses on scenarios where economic dis<span class=\"_ _0\"></span>tress is driven by weak demand. These scenarios typic<span class=\"_ _0\"></span>ally involv<span class=\"_ _0\"></span>e low inflation accompanied by falling in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ates.<span class=\"_ _35a\"> </span>While the Group ackno<span class=\"_ _0\"></span>wledges that economic distress can also s<span class=\"_ _0\"></span>tem from supply-side shock<span class=\"_ _0\"></span>s (char<span class=\"_ _0\"></span>acterised by high inflation and rising inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates), the analysis suggested that the impact of such scenarios on the ECL<span class=\"_ _0\"></span> calculation is not currently significan<span class=\"_ _0\"></span>t. The Group would continue to monitor the pot<span class=\"_ _0\"></span>ential impact of supply-driven shock<span class=\"_ _0\"></span>s on ECL<span class=\"_ _0\"></span> and will incorporate these considerations if they become material in futur<span class=\"_ _0\"></span>e reporting periods.<span class=\"_ _35a\"> </span>(ii<span class=\"_ _3\"></span>) <span class=\"_ _13e\"> </span>Ef<span class=\"_ _3\"></span>fe<span class=\"_ _3\"></span>ctive intere<span class=\"_ _3\"></span>st rate on le<span class=\"_ _3\"></span>nding<span class=\"_ _35a\"> </span>Estimat<span class=\"_ _0\"></span>es are made when calculating the EIR for loan assets<span class=\"_ _0\"></span>. These include the lik<span class=\"_ _0\"></span>ely customer redemption pr<span class=\"_ _0\"></span>ofiles. Mortgage product<span class=\"_ _0\"></span>s of<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ed by the Group include directly attributable net fee income and a period on re<span class=\"_ _0\"></span>version r<span class=\"_ _0\"></span>ates after the fixed/<span class=\"_ _2\"></span>discount period. Products r<span class=\"_ _0\"></span>evert to the s<span class=\"_ _0\"></span>tandard variable r<span class=\"_ _0\"></span>ate (SVR) or base r<span class=\"_ _0\"></span>ate plus a margin f<span class=\"_ _0\"></span>or the Kent Reliance (O<span class=\"_ _0\"></span>SB) brand, a SONIA/Base rate plus a margin f<span class=\"_ _0\"></span>or the Precise (CCFS) br<span class=\"_ _0\"></span>and and a LIBOR replacement r<span class=\"_ _0\"></span>ate/base rat<span class=\"_ _0\"></span>e for the InterBay br<span class=\"_ _0\"></span>and. Subsequent to origination, changes in actual and expecte<span class=\"_ _0\"></span>d customer prepaymen<span class=\"_ _0\"></span>t rates are r<span class=\"_ _0\"></span>eflected as increases or decr<span class=\"_ _0\"></span>eases in the carrying value of lo<span class=\"_ _0\"></span>an assets with a corresponding increase or decre<span class=\"_ _0\"></span>ase in interes<span class=\"_ _0\"></span>t income. The Group uses his<span class=\"_ _0\"></span>torical customer behaviour<span class=\"_ _0\"></span>s, e<span class=\"_ _0\"></span>xpected tak<span class=\"_ _0\"></span>e-up rat<span class=\"_ _0\"></span>e of retention pr<span class=\"_ _0\"></span>oducts and macroeconomic forec<span class=\"_ _0\"></span>asts in its assessmen<span class=\"_ _0\"></span>t of expected pr<span class=\"_ _0\"></span>epayment rates<span class=\"_ _0\"></span>. Customer prepayment<span class=\"_ _0\"></span>s in a fixed rat<span class=\"_ _0\"></span>e or incentive period can giv<span class=\"_ _0\"></span>e rise to Early Repayment Char<span class=\"_ _0\"></span>ge (ERC)<span class=\"_ gs2a\"> </span>income<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Judgement is used in es<span class=\"_ _0\"></span>timating the expected av<span class=\"_ _0\"></span>erage life of a mortgage<span class=\"_ _0\"></span>, to determine the quantum and timing of r<span class=\"_ _0\"></span>edemptions that incur ERCs, the period o<span class=\"_ _0\"></span>ver which net fee income is recognised and the length of time cus<span class=\"_ _0\"></span>tomers spend on r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sion after the fixed/<span class=\"_ _2\"></span>discounted period. Es<span class=\"_ _0\"></span>timates are re<span class=\"_ _0\"></span>viewe<span class=\"_ _0\"></span>d regularly and during the second half of 2024<span class=\"_ _0\"></span>, the Group adjust<span class=\"_ _0\"></span>ed behavioural assumptions for both the fix<span class=\"_ _0\"></span>ed period and the rev<span class=\"_ _0\"></span>ersionary period across k<span class=\"_ _0\"></span>ey<span class=\"_ gs2a\"> </span>lending portfolios. Precise borr<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>ers spent c<span class=\"_ _0\"></span>.one month less time on the re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sion rate which was sho<span class=\"_ _0\"></span>wn to be a sust<span class=\"_ _0\"></span>ained trend in second half<span class=\"_ _0\"></span>. Borro<span class=\"_ _0\"></span>wers acr<span class=\"_ _0\"></span>oss brands with five year product t<span class=\"_ _0\"></span>erms issued prior to 2023 in the lo<span class=\"_ _0\"></span>wer rat<span class=\"_ _0\"></span>e environment hav<span class=\"_ _0\"></span>e terms which are now f<span class=\"_ _0\"></span>avourable to the curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et and their propensity to pr<span class=\"_ _0\"></span>epay in the fixed term w<span class=\"_ _0\"></span>as reduced. Borro<span class=\"_ _0\"></span>wer<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 behaviour can be variable as base r<span class=\"_ _0\"></span>ate and mark<span class=\"_ _0\"></span>et dynamics change, and we will con<span class=\"_ _0\"></span>tinue to monitor their behaviour for any poten<span class=\"_ _0\"></span>tial impact on the measurement of EIR. The adver<span class=\"_ _0\"></span>se EIR adjustmen<span class=\"_ _0\"></span>t was \u00a315.<span class=\"_ _2\"></span>9m (2<span class=\"_ _0\"></span>023: adverse EIR adjus<span class=\"_ _0\"></span>tment of \u00a3210<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) which reduced net in<span class=\"_ _0\"></span>terest income and lo<span class=\"_ _0\"></span>ans and advances to customer<span class=\"_ _0\"></span>s. The adjus<span class=\"_ _0\"></span>tment of \u00a3210<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m in 2023 w<span class=\"_ _0\"></span>as due to a revise<span class=\"_ _0\"></span>d estimate of shorter time spent by Pr<span class=\"_ _0\"></span>ecise customer<span class=\"_ _0\"></span>s on rev<span class=\"_ _0\"></span>ersion, follo<span class=\"_ _0\"></span>wing obser<span class=\"_ _3\"></span>ve<span class=\"_ _0\"></span>d behaviour of quick<span class=\"_ _0\"></span>er refinancing, amid rising BBR-link<span class=\"_ _0\"></span>ed re<span class=\"_ _0\"></span>version r<span class=\"_ _0\"></span>ates compared to pr<span class=\"_ _0\"></span>eviously observed behavioural tr<span class=\"_ _0\"></span>ends. A two mon<span class=\"_ _0\"></span>ths<span class=\"_ _0\"></span>\u2019 mov<span class=\"_ _0\"></span>ement in the weight<span class=\"_ _0\"></span>ed average time spen<span class=\"_ _0\"></span>t in the rev<span class=\"_ _0\"></span>ersion period for Pr<span class=\"_ _0\"></span>ecise cust<span class=\"_ _0\"></span>omers is considered to be a r<span class=\"_ _0\"></span>easonably possible change in assumption in a dynamic inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e environment and an uncertain macroeconomic outlook. The impact o<span class=\"_ _0\"></span>f a -/+ two months mov<span class=\"_ _0\"></span>ement in time spent on r<span class=\"_ _0\"></span>ever<span class=\"_ _0\"></span>sion by Precise customer<span class=\"_ _0\"></span>s is -/+ \u00a326<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m. \u00a320.<span class=\"_ _0\"></span>8m of this total sensitivity r<span class=\"_ _0\"></span>elates to the \u00a33.<span class=\"_ _0\"></span>8bn of loans with product terms issue<span class=\"_ _0\"></span>d up to the end of 2022. These loans are fr<span class=\"_ _0\"></span>om the annual cohor<span class=\"_ _3\"></span>ts iden<span class=\"_ _0\"></span>tified as having been written in a low<span class=\"_ _0\"></span>-rate environmen<span class=\"_ _0\"></span>t. The remaining \u00a36<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1m sensitivity relates to the \u00a36<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1bn in loans with product terms issued from 202<span class=\"_ _0\"></span>3 onwar<span class=\"_ _0\"></span>ds, written in a higher<span class=\"_ _0\"></span>-rate en<span class=\"_ _0\"></span>vironment, where the s<span class=\"_ _0\"></span>tep-up in re<span class=\"_ _0\"></span>version is smaller<span class=\"_ _0\"></span>. Ov<span class=\"_ _0\"></span>er time, the ov<span class=\"_ _0\"></span>erall sensitivity will continue to decline as loans fr<span class=\"_ _0\"></span>om the low<span class=\"_ _0\"></span>-rate environmen<span class=\"_ _0\"></span>t reach the end of their fix<span class=\"_ _0\"></span>ed period.<span class=\"_ _35a\"> </span>As base rate incr<span class=\"_ _0\"></span>eased throughout 2022 and 2<span class=\"_ _0\"></span>023, using the EIR approach r<span class=\"_ _0\"></span>esulted in additional monthly net int<span class=\"_ _0\"></span>erest income as the benefit o<span class=\"_ _0\"></span>f time spent on a re<span class=\"_ _0\"></span>version r<span class=\"_ _0\"></span>ate became greater<span class=\"_ _2\"></span>. Forward r<span class=\"_ _0\"></span>ates are used in the EIR calculation and a decr<span class=\"_ _0\"></span>ease greater than the curren<span class=\"_ _0\"></span>t expected f<span class=\"_ _0\"></span>orward r<span class=\"_ _0\"></span>ate curve leads to a decrease in mon<span class=\"_ _0\"></span>thly net interes<span class=\"_ _0\"></span>t income. Based on the loans and advances to cus<span class=\"_ _0\"></span>tomers balance as at 31 December 2024<span class=\"_ _0\"></span>, if ther<span class=\"_ _0\"></span>e was a 50bps parallel shift down<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>ds in the forwar<span class=\"_ _0\"></span>d cur<span class=\"_ _3\"></span>ve<span class=\"_ _0\"></span>, it is estimate<span class=\"_ _0\"></span>d that this would decrease mon<span class=\"_ _0\"></span>thly<span class=\"_ _3\"></span> inter<span class=\"_ _0\"></span>est income by \u00a31.<span class=\"_ _0\"></span>4m acr<span class=\"_ _0\"></span>oss all mor<span class=\"_ _3\"></span>tgage portfolios<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAssetsAndLiabilitiesWithSignificantRiskOfMaterialAdjustmentExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-480": {
   "value": "Estimates The Group has made the following estimates in the application of the accounting policies that have a significant risk of material adjustment to the carrying amount of assets and liabilities within the next financial year: (i)  Loan book impairments Set out below are details of the critical accounting estimates which underpin loan impairment calculations. Less significant estimates are not discussed as they are not expected to have a material effect in next 12 months. The Group has recognised total impairments of \u00a3126.9m (2023: \u00a3145.8m) at the reporting date as disclosed in note 20. Modelled impairment Modelled provision assessments are also subject to estimation uncertainty, underpinned by a number of estimates being made by management which are utilised within impairment calculations. Key areas of estimation within modelled provisioning calculations include those regarding the LGD and forward-looking macroeconomic scenarios. Loss given default model The Group has a number of LGD models, which include estimates regarding propensity to go to possession given default (PPD), forced sale discount, time to sale and sale costs. The LGD is sensitive to the application of the HPI, with an 8% haircut (2023: an 8% haircut) seen to be a reasonable percentage change for a sensitivity when reviewing historical and expected 12-month outcomes. The table below shows the resulting incremental provision required in an 8% house price haircut (2023: an 8% house price haircut) being directly applied to all exposures at 31 December 2024 which not only adjust the sale discount but also the propensity to go to possession. 2024 2023 \u00a3m \u00a3m OSB 22.3 25.6 CCFS 9.1 11.6 Group 31.4 37.2 The Group\u2019s forecasts of HPI movements used in the impairment models are disclosed in the Risk profile performance review on page 64. Forward-looking macroeconomic scenarios The forward-looking macroeconomic scenarios affect all model components of the ECL thus the calculation remains sensitive to both the scenarios utilised and their associated probability weightings. The Group has adopted an approach which utilises four macroeconomic scenarios. These scenarios are provided by a reputable economics advisory firm, providing management and the Board with advice on which scenarios to utilise and the probability weightings to attach to each scenario. A base case forecast is provided, together with a plausible upside scenario. Two downside scenarios are also provided (downside and a severe downside). The Group\u2019s macroeconomic scenarios can be found in the Credit Risk section of the Risk profile performance overview on page 64. The following tables detail the ECL scenario sensitivity analysis with each scenario weighted at 100% probability. The sensitivity analysis is performed without considering the staging shifts driven by relative or absolute PD thresholds. The purpose of using multiple economic scenarios is to model the non-linear impact of assumptions surrounding macroeconomic factors and ECL calculated: 100% 100% 100% Severe Weighted Base case 100% Upside Downside downside As at 31 December 2024 (see note 20) scenario scenario scenario scenario Total loans before provisions, \u00a3m 25,240.3 25,240.3 25,240.3 25,240.3 25,240.3 Modelled ECL, \u00a3m 79.6 63.6 53.2 114.5 153.0 Individually assessed provisions ECL, \u00a3m 37.6 37.6 37.6 37.6 37.6 Post model adjustments ECL, \u00a3m 9.7 7.2 4.3 15.9 23.5 Total ECL, \u00a3m 126.9 108.4 95.1 168.0 214.1 ECL coverage, % 0.50 0.43 0.38 0.67 0.85 100% 100% 100% Severe Weighted Base case 100% Upside Downside downside As at 31 December 2023 (see note 20) scenario scenario scenario scenario Total loans before provisions, \u00a3m 25,897.1 25,8 97.1 25,8 97.1 25,8 97.1 25,8 97.1 Modelled ECL, \u00a3m 97.2 76.8 60.5 138.1 206.8 Individually assessed provisions ECL, \u00a3m 25.1 25.1 25.1 25.1 25.1 Post model adjustments ECL, \u00a3m 23.5 18.3 12.9 34.4 55.0 Total ECL, \u00a3m 145.8 120.2 98.5 197.6 286.9 ECL coverage, % 0.56 0.46 0.38 0.76 1.11 The Group\u2019s assessment of ECL primarily focuses on scenarios where economic distress is driven by weak demand. These scenarios typically involve low inflation accompanied by falling interest rates. While the Group acknowledges that economic distress can also stem from supply-side shocks (characterised by high inflation and rising interest rates), the analysis suggested that the impact of such scenarios on the ECL calculation is not currently significant. The Group would continue to monitor the potential impact of supply-driven shocks on ECL and will incorporate these considerations if they become material in future reporting periods. (ii)  Effective interest rate on lending Estimates are made when calculating the EIR for loan assets. These include the likely customer redemption profiles. Mortgage products offered by the Group include directly attributable net fee income and a period on reversion rates after the fixed/discount period. Products revert to the standard variable rate (SVR) or base rate plus a margin for the Kent Reliance (OSB) brand, a SONIA/Base rate plus a margin for the Precise (CCFS) brand and a LIBOR replacement rate/base rate for the InterBay brand. Subsequent to origination, changes in actual and expected customer prepayment rates are reflected as increases or decreases in the carrying value of loan assets with a corresponding increase or decrease in interest income. The Group uses historical customer behaviours, expected take-up rate of retention products and macroeconomic forecasts in its assessment of expected prepayment rates. Customer prepayments in a fixed rate or incentive period can give rise to Early Repayment Charge (ERC) income. Judgement is used in estimating the expected average life of a mortgage, to determine the quantum and timing of redemptions that incur ERCs, the period over which net fee income is recognised and the length of time customers spend on reversion after the fixed/discounted period. Estimates are reviewed regularly and during the second half of 2024, the Group adjusted behavioural assumptions for both the fixed period and the reversionary period across key lending portfolios. Precise borrowers spent c.one month less time on the reversion rate which was shown to be a sustained trend in second half. Borrowers across brands with five year product terms issued prior to 2023 in the lower rate environment have terms which are now favourable to the current market and their propensity to prepay in the fixed term was reduced. Borrowers\u2019 behaviour can be variable as base rate and market dynamics change, and we will continue to monitor their behaviour for any potential impact on the measurement of EIR. The adverse EIR adjustment was \u00a315.9m (2023: adverse EIR adjustment of \u00a3210.7m) which reduced net interest income and loans and advances to customers. The adjustment of \u00a3210.7m in 2023 was due to a revised estimate of shorter time spent by Precise customers on reversion, following observed behaviour of quicker refinancing, amid rising BBR-linked reversion rates compared to previously observed behavioural trends. A two months\u2019 movement in the weighted average time spent in the reversion period for Precise customers is considered to be a reasonably possible change in assumption in a dynamic interest rate environment and an uncertain macroeconomic outlook. The impact of a -/+ two months movement in time spent on reversion by Precise customers is -/+ \u00a326.9m. \u00a320.8m of this total sensitivity relates to the \u00a33.8bn of loans with product terms issued up to the end of 2022. These loans are from the annual cohorts identified as having been written in a low-rate environment. The remaining \u00a36.1m sensitivity relates to the \u00a36.1bn in loans with product terms issued from 2023 onwards, written in a higher-rate environment, where the step-up in reversion is smaller. Over time, the overall sensitivity will continue to decline as loans from the low-rate environment reach the end of their fixed period. As base rate increased throughout 2022 and 2023, using the EIR approach resulted in additional monthly net interest income as the benefit of time spent on a reversion rate became greater. Forward rates are used in the EIR calculation and a decrease greater than the current expected forward rate curve leads to a decrease in monthly net interest income. Based on the loans and advances to customers balance as at 31 December 2024, if there was a 50bps parallel shift downwards in the forward curve, it is estimated that this would decrease monthly interest income by \u00a31.4m across all mortgage portfolios.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-433": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs361\">3. <span class=\"_ _11\"> </span>Interest rec<span class=\"_ _3\"></span>eivable and similar income<span class=\"_ _35a\"> </span></div><div class=\"gs362\"><table class=\"s w1ac hc9\" id=\"_1242e452-7a4b-477d-9d9f-819e837d0e14\"><tr><td></td><td class=\"t m1 x45b h21 y3e02 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e02 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3e04 ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c x248 y3e06 w1ad hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">On OSB mortgages</div><div class=\"t m1 x45f h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e07 w1ae hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">858.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x461 y3e08 w1af hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7<span class=\"_ _18\"> </span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e09 w1b0 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">On CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages</div><div class=\"t m1 x462 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x463 y3e0a w1b1 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x464 y3e0c w1b2 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">431.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0d w1b3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On finan<span class=\"_ _3\"></span>ce leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x465 y3e0e w1b4 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x466 y3e0d w1b5 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0f w1b6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x467 y3e10 w1b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">30.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x468 y3e0f w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e11 w1b9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On other li<span class=\"_ _3\"></span>quid asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x469 y3e12 w1ba hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">173.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46a y3e11 w1bb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">159<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e13 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS lo<span class=\"_ _3\"></span>an book </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e14 w1bc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">at<span class=\"_ gs2a\"> </span>Comb<span class=\"_ _3\"></span>ination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46b y3e15 w1bd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsdf wsd9\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46c y3e14 w1be hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">(<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.4<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e17 w1bf hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets</div><div class=\"t m1 x46d h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46e y3e18 w1c0 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46f y3e19 w1c1 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x470 y3e1a w1c2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x471 y3e1b w1c3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e1c ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3e1d ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>ome on de<span class=\"_ _3\"></span>rivative finan<span class=\"_ _3\"></span>cial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e1e w1c4 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 lending<span class=\"_ _0\"></span> activities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x472 y3e1f w1c5 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">384.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x473 y3e1e w1c6 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w1b6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x474 y3e22 w1c7 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x475 y3e20 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3e23 w1c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x477 y3e24 w1ca hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">442<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e25 ff1 fs6 fc4 sc0 ls141 ws51\">At<span class=\"_ _0\"></span> FVOCI:<span class=\"_ _25c\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e27 w1b6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x478 y3dfd w1cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x479 y3e27 w1cc hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsea wse5\">11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y3e28 w1cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x47b y3d5a w1ce hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs363\">1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des a<span class=\"_ _3\"></span>dve<span class=\"_ _3\"></span>rse EI<span class=\"_ _3\"></span>R beh<span class=\"_ _3\"></span>avi<span class=\"_ _3\"></span>oural a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>t of \u00a33.1m (2023: \u00a3<span class=\"_ _3\"></span>1.0m f<span class=\"_ _3\"></span>avou<span class=\"_ _3\"></span>rabl<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>).<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs364\">2. <span class=\"_ _12\"> </span>Incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s adve<span class=\"_ _3\"></span>rse E<span class=\"_ _3\"></span>IR be<span class=\"_ _3\"></span>hav<span class=\"_ _3\"></span>iour<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt of \u00a3<span class=\"_ _3\"></span>12.8m (202<span class=\"_ _3\"></span>3: \u00a3211.7m adv<span class=\"_ _3\"></span>ers<span class=\"_ _3\"></span>e)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs365\">3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o hed<span class=\"_ _3\"></span>ged a<span class=\"_ _3\"></span>sset<span class=\"_ _3\"></span>s whe<span class=\"_ _3\"></span>re the h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>es we<span class=\"_ _3\"></span>re term<span class=\"_ _3\"></span>inate<span class=\"_ _3\"></span>d bef<span class=\"_ _3\"></span>ore ma<span class=\"_ _3\"></span>turity a<span class=\"_ _3\"></span>nd wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive a<span class=\"_ _3\"></span>t the </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs366\">point of termination.<span class=\"_ _35a\"> </span></div>4<span class=\"_ _0\"></span>. <span class=\"_ _14\"> </span>Interest payable and similar charges<span class=\"_ _35a\"> </span><table class=\"s w1cf hcd\" id=\"_04b51dd6-3e32-4726-9cd7-5a13af34d7eb\"><tr><td></td><td class=\"t m1 x47d h21 y3e29 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e29 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3e2b ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e2c w1d0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On retail dep<span class=\"_ _3\"></span>osit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x482 y3e2e w1d1 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>,11<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x483 y3e2c w1d2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e2f w1d3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On B<span class=\"_ _3\"></span>oE borrow<span class=\"_ _3\"></span>ings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x484 y3e30 w1d4 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">113<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x485 y3e2f w1d5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">196.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e31 w1d6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On de<span class=\"_ _3\"></span>bt securiti<span class=\"_ _3\"></span>es in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x486 y3e32 w1d7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">62.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x487 y3e31 w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">21.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e33 w1d8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On se<span class=\"_ _3\"></span>nior notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x488 y3e34 w1d9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">63<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x489 y3e33 w1da hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e35 w1db hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On sub<span class=\"_ _3\"></span>ordinated liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48a y3e36 w1dc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48b y3e35 w1dd hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e37 w1de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">On wholesale borrowi<span class=\"_ _0\"></span>ngs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48c y3e38 w1df hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48d y3e37 w1e0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e39 w1e1 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On Per<span class=\"_ _3\"></span>petual Sub<span class=\"_ _3\"></span>ordinated B<span class=\"_ _3\"></span>onds<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e3a w1e2 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48f y3e39 w1e3 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e3b w1e4 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On le<span class=\"_ _3\"></span>ase liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x490 y3e3c w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x491 y3e3b w1cb hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e3d ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS cus<span class=\"_ _3\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e3e w1e6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">dep<span class=\"_ _3\"></span>osits at C<span class=\"_ _3\"></span>ombination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x492 y3e3f w1e7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x493 y3e3e w1e8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(0.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e41 w1e9 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es</div><div class=\"t m1 x494 h20 y3e40 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e42 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x496 y3e43 w1eb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(0<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x497 y3e44 w1ec hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x498 y3e45 w1ed hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>36<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3e46 ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3e47 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e48 w1ee hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 sav<span class=\"_ _3\"></span>ings acti<span class=\"_ _3\"></span>vities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x499 y3e49 w1ef hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49a y3e48 w1f0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">71.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4a ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e4b w1f1 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 subordin<span class=\"_ _3\"></span>ated liabilities an<span class=\"_ _3\"></span>d senior n<span class=\"_ _3\"></span>otes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49b y3e4c w1f2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49c y3e4b w1f3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4d ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w1f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49d y3e4e w1f5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49e y3dfe w1c8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x49f y3e01 w1f6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a0 y3d5a w1f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The a<span class=\"_ _3\"></span>mor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n rela<span class=\"_ _3\"></span>tes to he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>d liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es wh<span class=\"_ _3\"></span>ere th<span class=\"_ _3\"></span>e hed<span class=\"_ _3\"></span>ges we<span class=\"_ _3\"></span>re ter<span class=\"_ _3\"></span>minat<span class=\"_ _3\"></span>ed be<span class=\"_ _3\"></span>fore m<span class=\"_ _3\"></span>aturit<span class=\"_ _3\"></span>y and we<span class=\"_ _3\"></span>re effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _3\"></span>e at the point of termination.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-540": {
   "value": "3. <span class=\"_ _11\"> </span>Interest rec<span class=\"_ _3\"></span>eivable and similar income<span class=\"_ _35a\"> </span><table class=\"s w1ac hc9\" id=\"_1242e452-7a4b-477d-9d9f-819e837d0e14\"><tr><td></td><td class=\"t m1 x45b h21 y3e02 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e02 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3e04 ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c x248 y3e06 w1ad hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">On OSB mortgages</div><div class=\"t m1 x45f h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e07 w1ae hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">858.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x461 y3e08 w1af hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7<span class=\"_ _18\"> </span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e09 w1b0 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">On CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages</div><div class=\"t m1 x462 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x463 y3e0a w1b1 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x464 y3e0c w1b2 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">431.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0d w1b3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On finan<span class=\"_ _3\"></span>ce leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x465 y3e0e w1b4 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x466 y3e0d w1b5 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0f w1b6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x467 y3e10 w1b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">30.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x468 y3e0f w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e11 w1b9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On other li<span class=\"_ _3\"></span>quid asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x469 y3e12 w1ba hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">173.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46a y3e11 w1bb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">159<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e13 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS lo<span class=\"_ _3\"></span>an book </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e14 w1bc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">at<span class=\"_ gs2a\"> </span>Comb<span class=\"_ _3\"></span>ination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46b y3e15 w1bd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsdf wsd9\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46c y3e14 w1be hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">(<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.4<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e17 w1bf hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets</div><div class=\"t m1 x46d h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46e y3e18 w1c0 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46f y3e19 w1c1 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x470 y3e1a w1c2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x471 y3e1b w1c3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e1c ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3e1d ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>ome on de<span class=\"_ _3\"></span>rivative finan<span class=\"_ _3\"></span>cial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e1e w1c4 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 lending<span class=\"_ _0\"></span> activities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x472 y3e1f w1c5 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">384.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x473 y3e1e w1c6 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w1b6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x474 y3e22 w1c7 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x475 y3e20 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3e23 w1c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x477 y3e24 w1ca hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">442<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e25 ff1 fs6 fc4 sc0 ls141 ws51\">At<span class=\"_ _0\"></span> FVOCI:<span class=\"_ _25c\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e27 w1b6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x478 y3dfd w1cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x479 y3e27 w1cc hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsea wse5\">11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y3e28 w1cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x47b y3d5a w1ce hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des a<span class=\"_ _3\"></span>dve<span class=\"_ _3\"></span>rse EI<span class=\"_ _3\"></span>R beh<span class=\"_ _3\"></span>avi<span class=\"_ _3\"></span>oural a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>t of \u00a33.1m (2023: \u00a3<span class=\"_ _3\"></span>1.0m f<span class=\"_ _3\"></span>avou<span class=\"_ _3\"></span>rabl<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>).<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span>Incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s adve<span class=\"_ _3\"></span>rse E<span class=\"_ _3\"></span>IR be<span class=\"_ _3\"></span>hav<span class=\"_ _3\"></span>iour<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt of \u00a3<span class=\"_ _3\"></span>12.8m (202<span class=\"_ _3\"></span>3: \u00a3211.7m adv<span class=\"_ _3\"></span>ers<span class=\"_ _3\"></span>e)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o hed<span class=\"_ _3\"></span>ged a<span class=\"_ _3\"></span>sset<span class=\"_ _3\"></span>s whe<span class=\"_ _3\"></span>re the h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>es we<span class=\"_ _3\"></span>re term<span class=\"_ _3\"></span>inate<span class=\"_ _3\"></span>d bef<span class=\"_ _3\"></span>ore ma<span class=\"_ _3\"></span>turity a<span class=\"_ _3\"></span>nd wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive a<span class=\"_ _3\"></span>t the point of termination.<span class=\"_ _35a\"> </span>4<span class=\"_ _0\"></span>. <span class=\"_ _14\"> </span>Interest payable and similar charges<span class=\"_ _35a\"> </span><table class=\"s w1cf hcd\" id=\"_04b51dd6-3e32-4726-9cd7-5a13af34d7eb\"><tr><td></td><td class=\"t m1 x47d h21 y3e29 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e29 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3e2b ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e2c w1d0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On retail dep<span class=\"_ _3\"></span>osit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x482 y3e2e w1d1 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>,11<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x483 y3e2c w1d2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e2f w1d3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On B<span class=\"_ _3\"></span>oE borrow<span class=\"_ _3\"></span>ings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x484 y3e30 w1d4 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">113<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x485 y3e2f w1d5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">196.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e31 w1d6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On de<span class=\"_ _3\"></span>bt securiti<span class=\"_ _3\"></span>es in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x486 y3e32 w1d7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">62.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x487 y3e31 w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">21.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e33 w1d8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On se<span class=\"_ _3\"></span>nior notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x488 y3e34 w1d9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">63<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x489 y3e33 w1da hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e35 w1db hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On sub<span class=\"_ _3\"></span>ordinated liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48a y3e36 w1dc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48b y3e35 w1dd hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e37 w1de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">On wholesale borrowi<span class=\"_ _0\"></span>ngs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48c y3e38 w1df hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48d y3e37 w1e0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e39 w1e1 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On Per<span class=\"_ _3\"></span>petual Sub<span class=\"_ _3\"></span>ordinated B<span class=\"_ _3\"></span>onds<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e3a w1e2 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48f y3e39 w1e3 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e3b w1e4 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On le<span class=\"_ _3\"></span>ase liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x490 y3e3c w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x491 y3e3b w1cb hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e3d ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS cus<span class=\"_ _3\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e3e w1e6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">dep<span class=\"_ _3\"></span>osits at C<span class=\"_ _3\"></span>ombination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x492 y3e3f w1e7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x493 y3e3e w1e8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(0.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e41 w1e9 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es</div><div class=\"t m1 x494 h20 y3e40 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e42 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x496 y3e43 w1eb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(0<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x497 y3e44 w1ec hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x498 y3e45 w1ed hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>36<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3e46 ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3e47 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e48 w1ee hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 sav<span class=\"_ _3\"></span>ings acti<span class=\"_ _3\"></span>vities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x499 y3e49 w1ef hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49a y3e48 w1f0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">71.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4a ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e4b w1f1 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 subordin<span class=\"_ _3\"></span>ated liabilities an<span class=\"_ _3\"></span>d senior n<span class=\"_ _3\"></span>otes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49b y3e4c w1f2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49c y3e4b w1f3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4d ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w1f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49d y3e4e w1f5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49e y3dfe w1c8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x49f y3e01 w1f6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a0 y3d5a w1f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The a<span class=\"_ _3\"></span>mor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n rela<span class=\"_ _3\"></span>tes to he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>d liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es wh<span class=\"_ _3\"></span>ere th<span class=\"_ _3\"></span>e hed<span class=\"_ _3\"></span>ges we<span class=\"_ _3\"></span>re ter<span class=\"_ _3\"></span>minat<span class=\"_ _3\"></span>ed be<span class=\"_ _3\"></span>fore m<span class=\"_ _3\"></span>aturit<span class=\"_ _3\"></span>y and we<span class=\"_ _3\"></span>re effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _3\"></span>e at the point of termination.<span class=\"_ _35a\"> </span>19<span class=\"_ _2\"></span>. <span class=\"_ _32\"> </span>Finance lease<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>The Group pro<span class=\"_ _0\"></span>vides asset finance lending through InterBay Asset Finance Limit<span class=\"_ _0\"></span>ed.<span class=\"_ _35a\"> </span><table class=\"s w4b7 hf6\" id=\"_09287b93-8c51-49f6-a4d4-c934d6da0eb2\"><tr><td></td><td class=\"t m1 x2c8 h21 y3f9a ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3f9a ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y3f9b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3f9b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y3f9c ff1 fs6 fc4 sc0 ls104 ws59\">Gross in<span class=\"_ _0\"></span>vestment in fi<span class=\"_ _0\"></span>nance leases, receivable<span class=\"_ _2ae\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3f9d w4b8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Less than o<span class=\"_ _3\"></span>ne year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x749 y3f9e w4b9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">12<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x74a y3f9d w4ba hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">83.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f9f w4bb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n one and t<span class=\"_ _3\"></span>wo years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x74b y3fa0 w4bc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x74c y3f9f w4bd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">68<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fa1 w4be hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n two and thre<span class=\"_ _3\"></span>e years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x74d y3fa2 w4bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">7<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x74e y3fa1 w4c0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">51.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fa3 w4c1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n three and four ye<span class=\"_ _3\"></span>ars<span class=\"_ _35a\"> </span></div></td><td class=\"c n x74f y3fa4 w4c2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">42.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x750 y3fa3 w4c3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fa5 w4c4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n four and five ye<span class=\"_ _3\"></span>ars<span class=\"_ _35a\"> </span></div></td><td class=\"c n x751 y3fa6 w4c5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x752 y3fa5 w4c6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">12.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fa7 w4c7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">More than fi<span class=\"_ _3\"></span>ve years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x753 y3fa8 w4c8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x754 y3fa7 w4c9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x755 y3fa9 w4ca hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x756 y3faa w4cb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">249<span class=\"_ _2\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fab w4cc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Une<span class=\"_ _3\"></span>arned finan<span class=\"_ _3\"></span>ce inco<span class=\"_ _3\"></span>me<span class=\"_ _35a\"> </span></div></td><td class=\"c n x757 y3fac w4cd hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls21 ws20\">(<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x758 y3fab w4ce hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fad w4cf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Net inves<span class=\"_ _3\"></span>tment in financ<span class=\"_ _3\"></span>e leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x759 y3fae w4d0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>16<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75a y3fad w4d1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">222.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y3faf ff1 fs6 fc4 sc0 ls0 ws0\">Net invest<span class=\"_ _3\"></span>ment in finan<span class=\"_ _3\"></span>ce le<span class=\"_ _3\"></span>ases, r<span class=\"_ _3\"></span>ecei<span class=\"_ _3\"></span>vable<span class=\"_ _112\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3d4d w4b8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Less than o<span class=\"_ _3\"></span>ne year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75b y3fb0 w4d2 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">102<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75c y3d4d w4d3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">71.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w4bb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n one and t<span class=\"_ _3\"></span>wo years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75d y3fb1 w4c2 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">85.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75e y3d4f w4d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">6<span class=\"_ _3\"></span>0.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w4be hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n two and thre<span class=\"_ _3\"></span>e years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75f y3fb2 w4d5 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x760 y3d51 w4d6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w4c1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n three and four ye<span class=\"_ _3\"></span>ars<span class=\"_ _35a\"> </span></div></td><td class=\"c n x761 y3fb3 w4d7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x762 y3d53 w4d8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w4c4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Bet<span class=\"_ _3\"></span>wee<span class=\"_ _3\"></span>n four and five ye<span class=\"_ _3\"></span>ars<span class=\"_ _35a\"> </span></div></td><td class=\"c n x763 y3fb4 w4d9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">18<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x764 y3d55 w4da hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">11.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w4c7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">More than fi<span class=\"_ _3\"></span>ve years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x753 y3fb5 w4db hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x765 y3d58 w4dc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x759 y3f5f w4d0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>16<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x75a y3d5a w4d1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">222.7<span class=\"_ _35a\"> </span></div></td></tr></table>The Group has recognise<span class=\"_ _0\"></span>d \u00a34.<span class=\"_ _0\"></span>1m o<span class=\"_ _0\"></span>f ECLs on finance leases as at 31 December 2024 (2023: \u00a33<span class=\"_ _0\"></span>.0m). During the year<span class=\"_ _0\"></span>, originations in In<span class=\"_ _0\"></span>terBay Asset Finance Limited amounted t<span class=\"_ _0\"></span>o \u00a3182.1m (<span class=\"_ _0\"></span>2023: \u00a3130.<span class=\"_ _0\"></span>5m).<span class=\"_ _35a\"> </span>25<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Property, plant and equipment<span class=\"_ _35a\"> </span><table class=\"s w62b h107\" id=\"_d9836c25-73cf-4fe6-a965-ae79ddc84625\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x904 h21 y4089 ff1 fs5 fc5 sc0 ls0 ws0\">Right of use assets<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x27c h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Freehold land </td><td class=\"t m1 x905 h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Development </td><td class=\"t m1 x906 h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Leasehold </td><td class=\"t m1 x907 h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Equipment and </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2df h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">and buildings<span class=\"_ _35a\"> </span></td><td class=\"t m1 x908 h21 y408b ff1 fs5 fc5 sc0 ls13b ws13e\">Asset<span class=\"_ _35a\"> </span></td><td class=\"t m1 x909 h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">improv<span class=\"_ _0\"></span>ements<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90a h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">fixtures<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90b h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">Property leases<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90c h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">Other leases<span class=\"_ _35a\"> </span></td><td class=\"t m1 x243 h21 y408b ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x90d h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90e h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90f h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e5 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x245 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x246 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y408d ff1 fs6 fc4 sc0 ls104 ws59\">Cost<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y408e wbd hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x911 y408e w433 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">20.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x912 y408e w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x913 y408e w62c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x914 y408e w62d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls130 ws136\">16.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x915 y408e w62e hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls67 ws63\">13.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x916 y408e w102 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x917 y408e w62f hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse7 wse2\">5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y408f w630 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions</div><div class=\"t m1 x72a h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x918 y4090 w631 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x919 y4090 w632 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91a y4090 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91b y4090 w633 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91c y4090 w634 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91d y4090 w635 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91e y4090 w636 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4091 w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y4091 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x921 y4091 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x922 y4091 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x923 y4091 w638 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">(3.3<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x924 y4091 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x925 y4091 w639 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x926 y4091 w51b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">(3<span class=\"_ _1\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4092 w63a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Foreign<span class=\"_ _0\"></span> exchange<span class=\"_ _0\"></span> difference<span class=\"_ _35a\"> </span></div></td><td class=\"c n x927 y4092 w150 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x928 y4092 w1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x929 y4092 w63b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92a y4092 w63c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92b y4092 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92c y4092 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92d y4092 w63c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4093 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92e y4093 w63d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">20.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92f y4093 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x930 y4093 w62c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x931 y4093 w63e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">18.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x932 y4093 w63f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x933 y4093 w633 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x934 y4093 w640 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">63.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4095 w641 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">Additions</div><div class=\"t m1 x935 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y4096 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x936 y4096 w642 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x937 y4096 w643 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x938 y4096 w644 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x939 y4096 w645 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93a y4096 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93b y4096 w646 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4097 w647 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">T<span class=\"_ _0\"></span>ransfer during t<span class=\"_ _3\"></span>he year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93c y4097 wa5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93d y4097 w648 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93e y4097 w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93f y4097 w64a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x940 y4097 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x941 y4097 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x942 y4097 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4098 w64c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x944 y4099 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x945 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x946 y4099 w64d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x947 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x948 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x949 y4099 w106 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">(2<span class=\"_ _1\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409a w10b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94a y409a w14f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94b y409a w64e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94c y409a w91 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94d y409a w64f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94e y409a w64f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">16.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94f y409a w650 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x950 y409a w651 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y409b ff1 fs6 fc4 sc0 ls9e ws9b\">Accumulated depre<span class=\"_ _3\"></span>ciation<span class=\"_ _275\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _e4\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409c wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x951 y409c w652 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x952 y409c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x953 y409c w635 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x954 y409c w653 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x955 y409c w653 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x956 y409c w654 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x957 y409c w655 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409d w656 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Charged in y<span class=\"_ _3\"></span>ear<span class=\"_ _35a\"> </span></div></td><td class=\"c n x958 y409d w631 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x959 y409d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95a y409d w631 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95b y409d w657 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95c y409d w24 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95d y409d w658 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95e y409d w659 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">6.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y409f w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y40a0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x921 y40a0 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x922 y40a0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x923 y40a0 w638 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">(3.3<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x924 y40a0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x925 y40a0 w639 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x926 y40a0 w51b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">(3<span class=\"_ _1\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a1 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95f y40a1 w634 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x960 y40a1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x961 y40a1 w65a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x962 y40a1 w65b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x963 y40a1 w4dc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">6.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x964 y40a1 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x965 y40a1 w649 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a2 w65d hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls104 ws59\">Charged in year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x966 y40a2 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x967 y40a2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x968 y40a2 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x969 y40a2 w649 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96a y40a2 w65f hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96b y40a2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96c y40a2 w89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40a4 w64c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y40a3 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x944 y40a5 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x945 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x946 y40a5 w64d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x947 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x948 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x949 y40a5 w106 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(2<span class=\"_ _1\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a6 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96d y40a6 w660 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96e y40a6 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96f y40a6 w661 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x970 y40a6 w662 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x971 y40a6 w663 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x972 y40a6 w664 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x973 y40a6 w665 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls119 ws1a\">23.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y40a7 ff1 fs6 fc4 sc0 ls0 ws0\">Net b<span class=\"_ _3\"></span>ook value<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40a8 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x974 y40a8 w666 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">21.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x975 y40a8 w64e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x976 y40a8 w667 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x977 y40a8 w668 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">1<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x978 y40a8 w669 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x979 y40a8 w66a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97a y40a8 w66b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">54.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97b y3d5a w66c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97c y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97d y3d5a w65a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97e y3d5a w66d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97f y3d5a w66e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x980 y3d5a w66f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x981 y3d5a w68 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">43.8<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>A<span class=\"_ _3\"></span>ddit<span class=\"_ _3\"></span>ions in<span class=\"_ _3\"></span>clu<span class=\"_ _3\"></span>de pro<span class=\"_ _3\"></span>per<span class=\"_ _3\"></span>ty le<span class=\"_ _3\"></span>ase m<span class=\"_ _3\"></span>odifi<span class=\"_ _3\"></span>cat<span class=\"_ _3\"></span>ions of \u00a3<span class=\"_ _3\"></span>0.5m (20<span class=\"_ _3\"></span>23: \u00a30.5<span class=\"_ _3\"></span>m) of right of us<span class=\"_ _3\"></span>e ass<span class=\"_ _3\"></span>ets<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span>Duri<span class=\"_ _3\"></span>ng the y<span class=\"_ _3\"></span>ear th<span class=\"_ _3\"></span>e Group d<span class=\"_ _3\"></span>ere<span class=\"_ _3\"></span>cog<span class=\"_ _3\"></span>nise<span class=\"_ _3\"></span>d full<span class=\"_ _3\"></span>y dep<span class=\"_ _3\"></span>reci<span class=\"_ _3\"></span>ated a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts.<span class=\"_ _35a\"> </span><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs508\">31. <span class=\"_ _18\"></span>Lease liabilities<span class=\"_ _35a\"> </span></div><div class=\"gs4e6\"><table class=\"s w6de h109\" id=\"_d26e0b1b-dafe-44f9-b05d-d429aa0f35bb\"><tr><td></td><td class=\"t m1 x2c8 h21 y40ca ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40ca ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w5ff hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa01 y3d50 w6df hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa02 y3d4f w66d hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsec wse6\">9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w6e0 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">New le<span class=\"_ _3\"></span>ases<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa03 y3d52 w6e1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa04 y3d51 w6e2 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w6e3 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls69 ws1e\">Lease modification<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa05 y3d54 w6e4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa06 y3d53 w5e3 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6e5 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Lease re<span class=\"_ _3\"></span>payment<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa07 y3dce w6e6 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">(2<span class=\"_ _3\"></span>.2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa08 y3d55 w6e7 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(2<span class=\"_ _3\"></span>.2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Inter<span class=\"_ _0\"></span>est accruals<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa09 y3d57 w6e9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0a y3d58 w658 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d59 w607 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0b y3d59 w6ea hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0c y3d5a w6eb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs509\">During the year<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup incurred expenses of \u00a30<span class=\"_ _0\"></span>.2m (<span class=\"_ _0\"></span>2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1m) in relation to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs50a\">short-term leases.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-530": {
   "value": "3. <span class=\"_ _11\"> </span>Interest rec<span class=\"_ _3\"></span>eivable and similar income<span class=\"_ _35a\"> </span><table class=\"s w1ac hc9\" id=\"_1242e452-7a4b-477d-9d9f-819e837d0e14\"><tr><td></td><td class=\"t m1 x45b h21 y3e02 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e02 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3e04 ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c x248 y3e06 w1ad hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">On OSB mortgages</div><div class=\"t m1 x45f h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e07 w1ae hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">858.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x461 y3e08 w1af hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7<span class=\"_ _18\"> </span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e09 w1b0 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">On CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages</div><div class=\"t m1 x462 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x463 y3e0a w1b1 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x464 y3e0c w1b2 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">431.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0d w1b3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On finan<span class=\"_ _3\"></span>ce leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x465 y3e0e w1b4 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x466 y3e0d w1b5 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0f w1b6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x467 y3e10 w1b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">30.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x468 y3e0f w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e11 w1b9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On other li<span class=\"_ _3\"></span>quid asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x469 y3e12 w1ba hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">173.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46a y3e11 w1bb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">159<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e13 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS lo<span class=\"_ _3\"></span>an book </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e14 w1bc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">at<span class=\"_ gs2a\"> </span>Comb<span class=\"_ _3\"></span>ination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46b y3e15 w1bd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsdf wsd9\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46c y3e14 w1be hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">(<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.4<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e17 w1bf hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets</div><div class=\"t m1 x46d h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46e y3e18 w1c0 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46f y3e19 w1c1 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x470 y3e1a w1c2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x471 y3e1b w1c3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e1c ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3e1d ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>ome on de<span class=\"_ _3\"></span>rivative finan<span class=\"_ _3\"></span>cial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e1e w1c4 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 lending<span class=\"_ _0\"></span> activities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x472 y3e1f w1c5 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">384.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x473 y3e1e w1c6 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w1b6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x474 y3e22 w1c7 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x475 y3e20 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3e23 w1c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x477 y3e24 w1ca hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">442<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e25 ff1 fs6 fc4 sc0 ls141 ws51\">At<span class=\"_ _0\"></span> FVOCI:<span class=\"_ _25c\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e27 w1b6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x478 y3dfd w1cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x479 y3e27 w1cc hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsea wse5\">11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y3e28 w1cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x47b y3d5a w1ce hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des a<span class=\"_ _3\"></span>dve<span class=\"_ _3\"></span>rse EI<span class=\"_ _3\"></span>R beh<span class=\"_ _3\"></span>avi<span class=\"_ _3\"></span>oural a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>t of \u00a33.1m (2023: \u00a3<span class=\"_ _3\"></span>1.0m f<span class=\"_ _3\"></span>avou<span class=\"_ _3\"></span>rabl<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>).<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span>Incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s adve<span class=\"_ _3\"></span>rse E<span class=\"_ _3\"></span>IR be<span class=\"_ _3\"></span>hav<span class=\"_ _3\"></span>iour<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt of \u00a3<span class=\"_ _3\"></span>12.8m (202<span class=\"_ _3\"></span>3: \u00a3211.7m adv<span class=\"_ _3\"></span>ers<span class=\"_ _3\"></span>e)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o hed<span class=\"_ _3\"></span>ged a<span class=\"_ _3\"></span>sset<span class=\"_ _3\"></span>s whe<span class=\"_ _3\"></span>re the h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>es we<span class=\"_ _3\"></span>re term<span class=\"_ _3\"></span>inate<span class=\"_ _3\"></span>d bef<span class=\"_ _3\"></span>ore ma<span class=\"_ _3\"></span>turity a<span class=\"_ _3\"></span>nd wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive a<span class=\"_ _3\"></span>t the point of termination.<span class=\"_ _35a\"> </span>7<span class=\"_ _5\"></span>. <span class=\"_ _f\"> </span>Other operating income<span class=\"_ _35a\"> </span><table class=\"s w1f8 hcf\" id=\"_acf6b688-4a91-4029-b307-0642372e21b0\"><tr><td></td><td class=\"t m1 x47d h21 y3e4f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e4f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 w1f9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Inter<span class=\"_ _0\"></span>est received on mortgages held at FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a1 y3e52 w1fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a2 y3e51 w1fb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w1fc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s and commis<span class=\"_ _3\"></span>sions rec<span class=\"_ _3\"></span>eivabl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a3 y3e4e w1fd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a4 y3e53 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a5 y3e55 w1ff hca\"><div class=\"t m1 x247 ha y3e54 ff1 fs6 fc4 sc0 ls26 wse0\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a6 y3d5a w1f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-523": {
   "value": "3. <span class=\"_ _11\"> </span>Interest rec<span class=\"_ _3\"></span>eivable and similar income<span class=\"_ _35a\"> </span><table class=\"s w1ac hc9\" id=\"_1242e452-7a4b-477d-9d9f-819e837d0e14\"><tr><td></td><td class=\"t m1 x45b h21 y3e02 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e02 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3e04 ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c x248 y3e06 w1ad hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">On OSB mortgages</div><div class=\"t m1 x45f h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e07 w1ae hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">858.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x461 y3e08 w1af hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7<span class=\"_ _18\"> </span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e09 w1b0 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">On CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages</div><div class=\"t m1 x462 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x463 y3e0a w1b1 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x464 y3e0c w1b2 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">431.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0d w1b3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On finan<span class=\"_ _3\"></span>ce leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x465 y3e0e w1b4 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x466 y3e0d w1b5 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0f w1b6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x467 y3e10 w1b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">30.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x468 y3e0f w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e11 w1b9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On other li<span class=\"_ _3\"></span>quid asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x469 y3e12 w1ba hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">173.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46a y3e11 w1bb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">159<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e13 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS lo<span class=\"_ _3\"></span>an book </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e14 w1bc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">at<span class=\"_ gs2a\"> </span>Comb<span class=\"_ _3\"></span>ination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46b y3e15 w1bd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsdf wsd9\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46c y3e14 w1be hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">(<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.4<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e17 w1bf hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets</div><div class=\"t m1 x46d h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46e y3e18 w1c0 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46f y3e19 w1c1 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x470 y3e1a w1c2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x471 y3e1b w1c3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e1c ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3e1d ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>ome on de<span class=\"_ _3\"></span>rivative finan<span class=\"_ _3\"></span>cial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e1e w1c4 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 lending<span class=\"_ _0\"></span> activities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x472 y3e1f w1c5 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">384.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x473 y3e1e w1c6 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w1b6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x474 y3e22 w1c7 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x475 y3e20 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3e23 w1c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x477 y3e24 w1ca hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">442<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e25 ff1 fs6 fc4 sc0 ls141 ws51\">At<span class=\"_ _0\"></span> FVOCI:<span class=\"_ _25c\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e27 w1b6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x478 y3dfd w1cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x479 y3e27 w1cc hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsea wse5\">11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y3e28 w1cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x47b y3d5a w1ce hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des a<span class=\"_ _3\"></span>dve<span class=\"_ _3\"></span>rse EI<span class=\"_ _3\"></span>R beh<span class=\"_ _3\"></span>avi<span class=\"_ _3\"></span>oural a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>t of \u00a33.1m (2023: \u00a3<span class=\"_ _3\"></span>1.0m f<span class=\"_ _3\"></span>avou<span class=\"_ _3\"></span>rabl<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>).<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span>Incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s adve<span class=\"_ _3\"></span>rse E<span class=\"_ _3\"></span>IR be<span class=\"_ _3\"></span>hav<span class=\"_ _3\"></span>iour<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt of \u00a3<span class=\"_ _3\"></span>12.8m (202<span class=\"_ _3\"></span>3: \u00a3211.7m adv<span class=\"_ _3\"></span>ers<span class=\"_ _3\"></span>e)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o hed<span class=\"_ _3\"></span>ged a<span class=\"_ _3\"></span>sset<span class=\"_ _3\"></span>s whe<span class=\"_ _3\"></span>re the h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>es we<span class=\"_ _3\"></span>re term<span class=\"_ _3\"></span>inate<span class=\"_ _3\"></span>d bef<span class=\"_ _3\"></span>ore ma<span class=\"_ _3\"></span>turity a<span class=\"_ _3\"></span>nd wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive a<span class=\"_ _3\"></span>t the point of termination.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-481": {
   "value": "3. <span class=\"_ _11\"> </span>Interest rec<span class=\"_ _3\"></span>eivable and similar income<span class=\"_ _35a\"> </span><table class=\"s w1ac hc9\" id=\"_1242e452-7a4b-477d-9d9f-819e837d0e14\"><tr><td></td><td class=\"t m1 x45b h21 y3e02 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e02 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3e04 ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c x248 y3e06 w1ad hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">On OSB mortgages</div><div class=\"t m1 x45f h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e07 w1ae hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">858.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x461 y3e08 w1af hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7<span class=\"_ _18\"> </span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e09 w1b0 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">On CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages</div><div class=\"t m1 x462 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x463 y3e0a w1b1 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x464 y3e0c w1b2 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">431.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0d w1b3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On finan<span class=\"_ _3\"></span>ce leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x465 y3e0e w1b4 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x466 y3e0d w1b5 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0f w1b6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x467 y3e10 w1b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">30.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x468 y3e0f w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e11 w1b9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On other li<span class=\"_ _3\"></span>quid asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x469 y3e12 w1ba hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">173.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46a y3e11 w1bb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">159<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e13 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS lo<span class=\"_ _3\"></span>an book </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e14 w1bc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">at<span class=\"_ gs2a\"> </span>Comb<span class=\"_ _3\"></span>ination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46b y3e15 w1bd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsdf wsd9\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46c y3e14 w1be hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">(<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.4<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e17 w1bf hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets</div><div class=\"t m1 x46d h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46e y3e18 w1c0 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46f y3e19 w1c1 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x470 y3e1a w1c2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x471 y3e1b w1c3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e1c ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3e1d ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>ome on de<span class=\"_ _3\"></span>rivative finan<span class=\"_ _3\"></span>cial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e1e w1c4 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 lending<span class=\"_ _0\"></span> activities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x472 y3e1f w1c5 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">384.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x473 y3e1e w1c6 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w1b6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x474 y3e22 w1c7 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x475 y3e20 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3e23 w1c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x477 y3e24 w1ca hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">442<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e25 ff1 fs6 fc4 sc0 ls141 ws51\">At<span class=\"_ _0\"></span> FVOCI:<span class=\"_ _25c\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e27 w1b6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x478 y3dfd w1cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x479 y3e27 w1cc hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsea wse5\">11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y3e28 w1cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x47b y3d5a w1ce hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des a<span class=\"_ _3\"></span>dve<span class=\"_ _3\"></span>rse EI<span class=\"_ _3\"></span>R beh<span class=\"_ _3\"></span>avi<span class=\"_ _3\"></span>oural a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>t of \u00a33.1m (2023: \u00a3<span class=\"_ _3\"></span>1.0m f<span class=\"_ _3\"></span>avou<span class=\"_ _3\"></span>rabl<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>).<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span>Incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s adve<span class=\"_ _3\"></span>rse E<span class=\"_ _3\"></span>IR be<span class=\"_ _3\"></span>hav<span class=\"_ _3\"></span>iour<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt of \u00a3<span class=\"_ _3\"></span>12.8m (202<span class=\"_ _3\"></span>3: \u00a3211.7m adv<span class=\"_ _3\"></span>ers<span class=\"_ _3\"></span>e)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o hed<span class=\"_ _3\"></span>ged a<span class=\"_ _3\"></span>sset<span class=\"_ _3\"></span>s whe<span class=\"_ _3\"></span>re the h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>es we<span class=\"_ _3\"></span>re term<span class=\"_ _3\"></span>inate<span class=\"_ _3\"></span>d bef<span class=\"_ _3\"></span>ore ma<span class=\"_ _3\"></span>turity a<span class=\"_ _3\"></span>nd wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive a<span class=\"_ _3\"></span>t the point of termination.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-507": {
   "value": "3. <span class=\"_ _11\"> </span>Interest rec<span class=\"_ _3\"></span>eivable and similar income<span class=\"_ _35a\"> </span><table class=\"s w1ac hc9\" id=\"_1242e452-7a4b-477d-9d9f-819e837d0e14\"><tr><td></td><td class=\"t m1 x45b h21 y3e02 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e02 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e03 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3e04 ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c x248 y3e06 w1ad hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">On OSB mortgages</div><div class=\"t m1 x45f h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e07 w1ae hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">858.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x461 y3e08 w1af hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7<span class=\"_ _18\"> </span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e09 w1b0 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">On CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages</div><div class=\"t m1 x462 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x463 y3e0a w1b1 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x464 y3e0c w1b2 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">431.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0d w1b3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On finan<span class=\"_ _3\"></span>ce leas<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x465 y3e0e w1b4 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x466 y3e0d w1b5 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e0f w1b6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x467 y3e10 w1b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">30.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x468 y3e0f w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e11 w1b9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On other li<span class=\"_ _3\"></span>quid asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x469 y3e12 w1ba hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">173.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46a y3e11 w1bb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">159<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e13 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS lo<span class=\"_ _3\"></span>an book </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e14 w1bc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">at<span class=\"_ gs2a\"> </span>Comb<span class=\"_ _3\"></span>ination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46b y3e15 w1bd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsdf wsd9\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46c y3e14 w1be hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">(<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.4<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e17 w1bf hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets</div><div class=\"t m1 x46d h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46e y3e18 w1c0 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x46f y3e19 w1c1 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x470 y3e1a w1c2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x471 y3e1b w1c3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e1c ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3e1d ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>ome on de<span class=\"_ _3\"></span>rivative finan<span class=\"_ _3\"></span>cial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e1e w1c4 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 lending<span class=\"_ _0\"></span> activities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x472 y3e1f w1c5 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">384.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x473 y3e1e w1c6 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w1b6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x474 y3e22 w1c7 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x475 y3e20 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3e23 w1c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x477 y3e24 w1ca hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">442<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3e25 ff1 fs6 fc4 sc0 ls141 ws51\">At<span class=\"_ _0\"></span> FVOCI:<span class=\"_ _25c\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e27 w1b6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">On inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x478 y3dfd w1cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x479 y3e27 w1cc hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsea wse5\">11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y3e28 w1cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x47b y3d5a w1ce hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des a<span class=\"_ _3\"></span>dve<span class=\"_ _3\"></span>rse EI<span class=\"_ _3\"></span>R beh<span class=\"_ _3\"></span>avi<span class=\"_ _3\"></span>oural a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>t of \u00a33.1m (2023: \u00a3<span class=\"_ _3\"></span>1.0m f<span class=\"_ _3\"></span>avou<span class=\"_ _3\"></span>rabl<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>).<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span>Incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s adve<span class=\"_ _3\"></span>rse E<span class=\"_ _3\"></span>IR be<span class=\"_ _3\"></span>hav<span class=\"_ _3\"></span>iour<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt of \u00a3<span class=\"_ _3\"></span>12.8m (202<span class=\"_ _3\"></span>3: \u00a3211.7m adv<span class=\"_ _3\"></span>ers<span class=\"_ _3\"></span>e)<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o hed<span class=\"_ _3\"></span>ged a<span class=\"_ _3\"></span>sset<span class=\"_ _3\"></span>s whe<span class=\"_ _3\"></span>re the h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>es we<span class=\"_ _3\"></span>re term<span class=\"_ _3\"></span>inate<span class=\"_ _3\"></span>d bef<span class=\"_ _3\"></span>ore ma<span class=\"_ _3\"></span>turity a<span class=\"_ _3\"></span>nd wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive a<span class=\"_ _3\"></span>t the point of termination.<span class=\"_ _35a\"> </span>4<span class=\"_ _0\"></span>. <span class=\"_ _14\"> </span>Interest payable and similar charges<span class=\"_ _35a\"> </span><table class=\"s w1cf hcd\" id=\"_04b51dd6-3e32-4726-9cd7-5a13af34d7eb\"><tr><td></td><td class=\"t m1 x47d h21 y3e29 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e29 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3e2b ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e2c w1d0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On retail dep<span class=\"_ _3\"></span>osit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x482 y3e2e w1d1 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>,11<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x483 y3e2c w1d2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e2f w1d3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On B<span class=\"_ _3\"></span>oE borrow<span class=\"_ _3\"></span>ings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x484 y3e30 w1d4 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">113<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x485 y3e2f w1d5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">196.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e31 w1d6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On de<span class=\"_ _3\"></span>bt securiti<span class=\"_ _3\"></span>es in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x486 y3e32 w1d7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">62.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x487 y3e31 w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">21.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e33 w1d8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On se<span class=\"_ _3\"></span>nior notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x488 y3e34 w1d9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">63<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x489 y3e33 w1da hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e35 w1db hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On sub<span class=\"_ _3\"></span>ordinated liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48a y3e36 w1dc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48b y3e35 w1dd hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e37 w1de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">On wholesale borrowi<span class=\"_ _0\"></span>ngs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48c y3e38 w1df hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48d y3e37 w1e0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e39 w1e1 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On Per<span class=\"_ _3\"></span>petual Sub<span class=\"_ _3\"></span>ordinated B<span class=\"_ _3\"></span>onds<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e3a w1e2 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48f y3e39 w1e3 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e3b w1e4 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On le<span class=\"_ _3\"></span>ase liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x490 y3e3c w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x491 y3e3b w1cb hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e3d ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS cus<span class=\"_ _3\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e3e w1e6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">dep<span class=\"_ _3\"></span>osits at C<span class=\"_ _3\"></span>ombination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x492 y3e3f w1e7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x493 y3e3e w1e8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(0.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e41 w1e9 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es</div><div class=\"t m1 x494 h20 y3e40 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e42 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x496 y3e43 w1eb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(0<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x497 y3e44 w1ec hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x498 y3e45 w1ed hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>36<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3e46 ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3e47 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e48 w1ee hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 sav<span class=\"_ _3\"></span>ings acti<span class=\"_ _3\"></span>vities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x499 y3e49 w1ef hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49a y3e48 w1f0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">71.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4a ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e4b w1f1 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 subordin<span class=\"_ _3\"></span>ated liabilities an<span class=\"_ _3\"></span>d senior n<span class=\"_ _3\"></span>otes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49b y3e4c w1f2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49c y3e4b w1f3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4d ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w1f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49d y3e4e w1f5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49e y3dfe w1c8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x49f y3e01 w1f6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a0 y3d5a w1f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The a<span class=\"_ _3\"></span>mor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n rela<span class=\"_ _3\"></span>tes to he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>d liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es wh<span class=\"_ _3\"></span>ere th<span class=\"_ _3\"></span>e hed<span class=\"_ _3\"></span>ges we<span class=\"_ _3\"></span>re ter<span class=\"_ _3\"></span>minat<span class=\"_ _3\"></span>ed be<span class=\"_ _3\"></span>fore m<span class=\"_ _3\"></span>aturit<span class=\"_ _3\"></span>y and we<span class=\"_ _3\"></span>re effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _3\"></span>e at the point of termination.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-482": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs368\">4<span class=\"_ _0\"></span>. <span class=\"_ _14\"> </span>Interest payable and similar charges<span class=\"_ _35a\"> </span></div><div class=\"gs369\"><table class=\"s w1cf hcd\" id=\"_04b51dd6-3e32-4726-9cd7-5a13af34d7eb\"><tr><td></td><td class=\"t m1 x47d h21 y3e29 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e29 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3e2b ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e2c w1d0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On retail dep<span class=\"_ _3\"></span>osit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x482 y3e2e w1d1 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>,11<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x483 y3e2c w1d2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e2f w1d3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On B<span class=\"_ _3\"></span>oE borrow<span class=\"_ _3\"></span>ings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x484 y3e30 w1d4 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">113<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x485 y3e2f w1d5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">196.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e31 w1d6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On de<span class=\"_ _3\"></span>bt securiti<span class=\"_ _3\"></span>es in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x486 y3e32 w1d7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">62.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x487 y3e31 w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">21.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e33 w1d8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On se<span class=\"_ _3\"></span>nior notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x488 y3e34 w1d9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">63<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x489 y3e33 w1da hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e35 w1db hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On sub<span class=\"_ _3\"></span>ordinated liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48a y3e36 w1dc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48b y3e35 w1dd hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e37 w1de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">On wholesale borrowi<span class=\"_ _0\"></span>ngs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48c y3e38 w1df hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48d y3e37 w1e0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e39 w1e1 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On Per<span class=\"_ _3\"></span>petual Sub<span class=\"_ _3\"></span>ordinated B<span class=\"_ _3\"></span>onds<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e3a w1e2 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48f y3e39 w1e3 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e3b w1e4 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On le<span class=\"_ _3\"></span>ase liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x490 y3e3c w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x491 y3e3b w1cb hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e3d ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS cus<span class=\"_ _3\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e3e w1e6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">dep<span class=\"_ _3\"></span>osits at C<span class=\"_ _3\"></span>ombination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x492 y3e3f w1e7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x493 y3e3e w1e8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(0.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e41 w1e9 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es</div><div class=\"t m1 x494 h20 y3e40 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e42 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x496 y3e43 w1eb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(0<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x497 y3e44 w1ec hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x498 y3e45 w1ed hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>36<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3e46 ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3e47 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e48 w1ee hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 sav<span class=\"_ _3\"></span>ings acti<span class=\"_ _3\"></span>vities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x499 y3e49 w1ef hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49a y3e48 w1f0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">71.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4a ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e4b w1f1 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 subordin<span class=\"_ _3\"></span>ated liabilities an<span class=\"_ _3\"></span>d senior n<span class=\"_ _3\"></span>otes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49b y3e4c w1f2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49c y3e4b w1f3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4d ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w1f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49d y3e4e w1f5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49e y3dfe w1c8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x49f y3e01 w1f6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a0 y3d5a w1f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs36a\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The a<span class=\"_ _3\"></span>mor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n rela<span class=\"_ _3\"></span>tes to he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>d liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es wh<span class=\"_ _3\"></span>ere th<span class=\"_ _3\"></span>e hed<span class=\"_ _3\"></span>ges we<span class=\"_ _3\"></span>re ter<span class=\"_ _3\"></span>minat<span class=\"_ _3\"></span>ed be<span class=\"_ _3\"></span>fore m<span class=\"_ _3\"></span>aturit<span class=\"_ _3\"></span>y and we<span class=\"_ _3\"></span>re effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _3\"></span>e at </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs36b\">the point of termination.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-524": {
   "value": "4<span class=\"_ _0\"></span>. <span class=\"_ _14\"> </span>Interest payable and similar charges<span class=\"_ _35a\"> </span><table class=\"s w1cf hcd\" id=\"_04b51dd6-3e32-4726-9cd7-5a13af34d7eb\"><tr><td></td><td class=\"t m1 x47d h21 y3e29 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e29 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e2a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3e2b ff1 fs6 fc4 sc0 ls0 ws0\">At amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _259\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e2c w1d0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On retail dep<span class=\"_ _3\"></span>osit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x482 y3e2e w1d1 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>,11<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x483 y3e2c w1d2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">76<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e2f w1d3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On B<span class=\"_ _3\"></span>oE borrow<span class=\"_ _3\"></span>ings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x484 y3e30 w1d4 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">113<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x485 y3e2f w1d5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">196.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e31 w1d6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On de<span class=\"_ _3\"></span>bt securiti<span class=\"_ _3\"></span>es in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x486 y3e32 w1d7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">62.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x487 y3e31 w1b8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">21.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e33 w1d8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On se<span class=\"_ _3\"></span>nior notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x488 y3e34 w1d9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">63<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x489 y3e33 w1da hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e35 w1db hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On sub<span class=\"_ _3\"></span>ordinated liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48a y3e36 w1dc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48b y3e35 w1dd hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e37 w1de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">On wholesale borrowi<span class=\"_ _0\"></span>ngs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48c y3e38 w1df hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48d y3e37 w1e0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e39 w1e1 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">On Per<span class=\"_ _3\"></span>petual Sub<span class=\"_ _3\"></span>ordinated B<span class=\"_ _3\"></span>onds<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e3a w1e2 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48f y3e39 w1e3 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e3b w1e4 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">On le<span class=\"_ _3\"></span>ase liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x490 y3e3c w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x491 y3e3b w1cb hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e3d ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on CCFS cus<span class=\"_ _3\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e3e w1e6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">dep<span class=\"_ _3\"></span>osits at C<span class=\"_ _3\"></span>ombination<span class=\"_ _35a\"> </span></div></td><td class=\"c n x492 y3e3f w1e7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x493 y3e3e w1e8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(0.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e41 w1e9 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of fair value adjustm<span class=\"_ _3\"></span>ents on he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es</div><div class=\"t m1 x494 h20 y3e40 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e42 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x496 y3e43 w1eb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls21 ws20\">(0<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x497 y3e44 w1ec hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x498 y3e45 w1ed hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>36<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3e46 ff1 fs6 fc4 sc0 lsde wsd8\">At F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TP<span class=\"_ _3\"></span>L:<span class=\"_ _1ce\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3e47 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e48 w1ee hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 sav<span class=\"_ _3\"></span>ings acti<span class=\"_ _3\"></span>vities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x499 y3e49 w1ef hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49a y3e48 w1f0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">71.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4a ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e4b w1f1 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 subordin<span class=\"_ _3\"></span>ated liabilities an<span class=\"_ _3\"></span>d senior n<span class=\"_ _3\"></span>otes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49b y3e4c w1f2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49c y3e4b w1f3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3e4d ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents  </td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w1f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49d y3e4e w1f5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49e y3dfe w1c8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x49f y3e01 w1f6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a0 y3d5a w1f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The a<span class=\"_ _3\"></span>mor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n rela<span class=\"_ _3\"></span>tes to he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>d liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es wh<span class=\"_ _3\"></span>ere th<span class=\"_ _3\"></span>e hed<span class=\"_ _3\"></span>ges we<span class=\"_ _3\"></span>re ter<span class=\"_ _3\"></span>minat<span class=\"_ _3\"></span>ed be<span class=\"_ _3\"></span>fore m<span class=\"_ _3\"></span>aturit<span class=\"_ _3\"></span>y and we<span class=\"_ _3\"></span>re effe<span class=\"_ _3\"></span>ctiv<span class=\"_ _3\"></span>e at the point of termination.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-434": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs36d\">5. <span class=\"_ _11\"> </span>Fair value losses on financial instruments<span class=\"_ _35a\"> </span></div><div class=\"gs36e\"><table class=\"s w21b hd1\" id=\"_21364306-a2eb-48fe-a25c-9ca03bc35455\"><tr><td></td><td class=\"t m1 x45b h21 y3e62 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e62 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e63 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e63 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e65 w21c hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Fair value chan<span class=\"_ _3\"></span>ges in he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b8 y3e66 w21d hd2\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls1e ws1d\">31.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b9 y3e65 w21e hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e67 w21f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Hed<span class=\"_ _3\"></span>ging of asse<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ba y3e68 w220 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls101 ws6f\">(53.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bb y3e67 w221 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">(59<span class=\"_ _3\"></span>0.2)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e69 w222 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fair value chan<span class=\"_ _3\"></span>ges in he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bc y3e6a w223 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bd y3e69 w224 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(82.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e6b w225 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Hed<span class=\"_ _3\"></span>ging of liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4be y3e6c w226 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">(35<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bf y3e6b w227 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">94.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e6d w228 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Ineffe<span class=\"_ _3\"></span>ctive po<span class=\"_ _3\"></span>rtio<span class=\"_ _3\"></span>n of hedge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c0 y3e6e w229 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c1 y3e6d w22a hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e70 w22b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Net gain<span class=\"_ _3\"></span>s/<span class=\"_ _0\"></span>(los<span class=\"_ _3\"></span>ses) on unmatched s<span class=\"_ _3\"></span>waps</div><div class=\"t m1 x4c2 h20 y3e6f ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c3 y3e71 w22c hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls1e ws1d\">21.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c4 y3e72 w22d hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>11<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e73 w22e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of inception a<span class=\"_ _3\"></span>djustment<span class=\"_ _3\"></span>s</div><div class=\"t m1 x4c5 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3e74 w22f hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">(5.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c7 y3e75 w230 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">(<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e77 w231 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of acquisitio<span class=\"_ _3\"></span>n-related ince<span class=\"_ _3\"></span>ption adjustm<span class=\"_ _3\"></span>ents</div><div class=\"t m1 x4c8 h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c9 y3e78 w232 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ca y3e79 w233 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">6<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e7a w234 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of de-de<span class=\"_ _3\"></span>signated he<span class=\"_ _3\"></span>dge rel<span class=\"_ _3\"></span>ationships</div><div class=\"t m1 x4cb h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cc y3e7b w235 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">(0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cd y3e7c w1c8 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e7d w236 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Fair value movem<span class=\"_ _3\"></span>ents on mo<span class=\"_ _3\"></span>rtgag<span class=\"_ _3\"></span>es at F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ce y3e7e w237 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cf y3e7d w238 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e7f ff2 fs6 fc4 sc0 ls0 ws0\">Fair value movem<span class=\"_ _3\"></span>ents on lo<span class=\"_ _3\"></span>ans and advan<span class=\"_ _3\"></span>ces to cre<span class=\"_ _3\"></span>dit </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e51 w239 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">institutio<span class=\"_ _3\"></span>ns at FV<span class=\"_ _3\"></span>T<span class=\"_ _3\"></span>PL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e52 w1e2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d0 y3e51 w23a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w23b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Deb<span class=\"_ _3\"></span>it and credit valu<span class=\"_ _3\"></span>ation adjustm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d1 y3e4e w1ea hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d2 y3dfe w23c hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d3 y3e01 w23d hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls14 ws12\">(1.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d4 y3d5a w23e hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _1\"></span>4.4)<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs36f\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Net g<span class=\"_ _3\"></span>ains<span class=\"_ _3\"></span>/<span class=\"_ _0\"></span>(l<span class=\"_ _3\"></span>oss<span class=\"_ _3\"></span>es) on unm<span class=\"_ _3\"></span>atch<span class=\"_ _3\"></span>ed sw<span class=\"_ _3\"></span>aps in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>e fair va<span class=\"_ _3\"></span>lue mov<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nts of \u00a35<span class=\"_ _3\"></span>.7m (<span class=\"_ _0\"></span>20<span class=\"_ _3\"></span>23: nil<span class=\"_ _3\"></span>) on swa<span class=\"_ _3\"></span>ps us<span class=\"_ _3\"></span>ed for t<span class=\"_ _3\"></span>he equ<span class=\"_ _3\"></span>ity </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs370\">str<span class=\"_ _3\"></span>uctur<span class=\"_ _3\"></span>al hed<span class=\"_ _3\"></span>ge (see n<span class=\"_ _3\"></span>ote 23 fo<span class=\"_ _3\"></span>r fur<span class=\"_ _3\"></span>the<span class=\"_ _3\"></span>r inform<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n)<span class=\"_ _0\"></span>. Th<span class=\"_ _3\"></span>e Grou<span class=\"_ _3\"></span>p exclud<span class=\"_ _3\"></span>ed a p<span class=\"_ _3\"></span>ort<span class=\"_ _3\"></span>ion of m<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tgage h<span class=\"_ _3\"></span>ed<span class=\"_ _3\"></span>ging sw<span class=\"_ _3\"></span>aps fr<span class=\"_ _3\"></span>om </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs371\">hedge ac<span class=\"_ _3\"></span>counting providing an offset<span class=\"_ _3\"></span>ting fair value movement of \u00a35.<span class=\"_ _0\"></span>1m (2023:<span class=\"_ _0\"></span> nil).<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs372\">2. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>The amor<span class=\"_ _3\"></span>tisation of inception adjustm<span class=\"_ _3\"></span>ent relates to the amortisatio<span class=\"_ _3\"></span>n of t<span class=\"_ _0\"></span>he he<span class=\"_ _3\"></span>dging adjustments arisin<span class=\"_ _3\"></span>g when hedge </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs373\">accounting<span class=\"_ _0\"></span> commences, primarily<span class=\"_ _0\"></span> on derivative i<span class=\"_ _0\"></span>nstruments previously<span class=\"_ _0\"></span> taken<span class=\"_ _0\"></span> out against t<span class=\"_ _0\"></span>he mortgage pipeline and<span class=\"_ _0\"></span> on </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs374\">derivative i<span class=\"_ _0\"></span>nstruments previously<span class=\"_ _0\"></span> taken<span class=\"_ _0\"></span> out against ne<span class=\"_ _0\"></span>w retail<span class=\"_ _0\"></span> deposits.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs375\">3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Re<span class=\"_ _3\"></span>late<span class=\"_ _3\"></span>s to he<span class=\"_ _3\"></span>dge a<span class=\"_ _3\"></span>cco<span class=\"_ _3\"></span>unting a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts and l<span class=\"_ _3\"></span>iabil<span class=\"_ _3\"></span>itie<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed a<span class=\"_ _3\"></span>t acqu<span class=\"_ _3\"></span>isiti<span class=\"_ _3\"></span>on. Th<span class=\"_ _3\"></span>e inc<span class=\"_ _3\"></span>eptio<span class=\"_ _3\"></span>n adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nts ar<span class=\"_ _3\"></span>e </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs376\">being amor<span class=\"_ _3\"></span>tised over the life of the derivative ins<span class=\"_ _3\"></span>truments acquired at acquis<span class=\"_ _3\"></span>ition subseque<span class=\"_ _3\"></span>ntly designated in </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws0 gs377\">hedging<span class=\"_ gs378\"> </span>relatio<span class=\"_ _3\"></span>nships.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs379\">4. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>Rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o the amo<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>isat<span class=\"_ _3\"></span>ion of he<span class=\"_ _3\"></span>dg<span class=\"_ _3\"></span>ed ite<span class=\"_ _3\"></span>ms whe<span class=\"_ _3\"></span>re he<span class=\"_ _3\"></span>dge a<span class=\"_ _3\"></span>cco<span class=\"_ _3\"></span>unting h<span class=\"_ _3\"></span>as b<span class=\"_ _3\"></span>een di<span class=\"_ _3\"></span>sco<span class=\"_ _3\"></span>ntinu<span class=\"_ _3\"></span>ed.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs37b\">6. <span class=\"_ _14\"> </span>Loss on sale of financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs37c\">In December 2024<span class=\"_ _0\"></span>, the Group completed PMF 2<span class=\"_ _0\"></span>024-2 transaction which securitised \u00a31,249<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs37d\">of CCFS Buy-t<span class=\"_ _0\"></span>o-Let (B<span class=\"_ _0\"></span>TL) mortgages. The Group r<span class=\"_ _0\"></span>ecognised a loss on sale of \u00a32.<span class=\"_ _2\"></span>4m from this </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs37e\">transaction due t<span class=\"_ _0\"></span>o the dif<span class=\"_ _3\"></span>ference betw<span class=\"_ _0\"></span>een proceeds receive<span class=\"_ _0\"></span>d and the carrying value of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs37f\">items derecognised fr<span class=\"_ _0\"></span>om the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s balance sheet. </div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs6c0\">43. <span class=\"_ _2\"></span>Financial instruments and fair values<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls146 ws14e gs6c1\">i. <span class=\"_ _18a\"> </span>Financial a<span class=\"_ _3\"></span>ssets an<span class=\"_ _3\"></span>d financial li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6c2\">The follo<span class=\"_ _0\"></span>wing tables set out the classification of financial ins<span class=\"_ _0\"></span>truments in the Consolidated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6c3\">Statemen<span class=\"_ _0\"></span>t of Financial Position:<span class=\"_ _35a\"> </span></div><div class=\"gs6c4\"><table class=\"s wb11 h12d\" id=\"_fb03cfd2-df25-48dd-967e-38cf8c5136b0\"><tr><td></td><td></td><td></td><td class=\"t m1 x8e2 h21 y42ae ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x279 h21 y42af ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x3cd h21 y42b0 ff1 fs5 fc5 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x8df h21 y42b0 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"c x1003 y42b1 wb12 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">FV<span class=\"_ _3\"></span>TPL</div><div class=\"t m1 x1002 h39 y3d60 ff1 fs1e fc5 sc0 ls0 ws0\">1</div></td><td class=\"t m1 x1004 h21 y42b2 ff1 fs5 fc5 sc0 ls5b ws108\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1005 h21 y42b2 ff1 fs5 fc5 sc0 ls127 ws12d\">cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1006 h21 y42b2 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x1007 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">Note<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42b4 ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _296\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _10f\"> </span><span class=\"ff1\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42b5 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x1008 y42b6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1009 y42b6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100a y42b6 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100b y42b6 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42b7 w9c5 hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100c y42b7 wb13 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100d y42b8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100e y42b8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100f y42b8 w49 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1010 y42b8 wb14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b9 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1011 y42b9 w804 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1012 y42ba wa59 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">41<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1013 y42ba wb15 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1014 y42ba wb16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1015 y42ba wb17 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bb w4f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1016 y42bb w7fe hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1017 y42bc wb18 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1018 y42bc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1019 y42bc wb19 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _1\"></span>5,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101a y42bc wb1a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">25,<span class=\"_ _0\"></span>126.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bd w57 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101b y42bd w58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101c y42be w12b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101d y42be w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101e y42be w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101f y42be w59 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">313<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42c0 wb1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x1020 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y42c1 wb1c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1021 y42c2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1022 y42c2 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1023 y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1024 y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1025 y42c3 wb1e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">736.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1026 y42c3 wb1f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1027 y42c3 wb20 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1028 y42c3 wb21 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>82<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42c4 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _255\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _10f\"> </span><span class=\"ff1\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409d w74 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1029 y409d w75 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102a y42c5 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102b y42c5 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102c y42c5 wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23<span class=\"_ _3\"></span>,820.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102d y42c5 wb23 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f w70 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102e y409f wb24 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102f y42c6 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1030 y42c6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1031 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1032 y42c6 wb25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _1\"></span>5.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c7 w7b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1033 y42c7 w7c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1034 y42c8 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1035 y42c8 w9e hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1036 y42c8 wb26 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">10<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1037 y42c8 w81b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1038 y42c9 w80 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1039 y42ca w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103a y42ca w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103b y42ca w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103c y42ca w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42cb w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103d y42cb w58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103e y42cc w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103f y42cc wb27 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1040 y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1041 y42cc w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cd wb28 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y3d53 wb29 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1043 y3fb3 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1044 y3fb3 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1045 y3fb3 wb2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1046 y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1047 y3d55 wb2c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1048 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1049 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104a y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104b y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104c y3d58 w9a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104d y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104e y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104f y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1050 y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1051 y3f5f wb2d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe78 y3f5f w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1052 y3f5f wb2e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1053 y3f5f wb2f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls69 ws1e\">27<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>999<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs6c5\">1. <span class=\"_ _14\"> </span>A<span class=\"_ _3\"></span>ll FV<span class=\"_ _3\"></span>T<span class=\"_ _3\"></span>PL as<span class=\"_ _3\"></span>sets a<span class=\"_ _3\"></span>nd liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es are m<span class=\"_ _3\"></span>anda<span class=\"_ _3\"></span>toril<span class=\"_ _3\"></span>y mea<span class=\"_ _3\"></span>sure<span class=\"_ _3\"></span>d as suc<span class=\"_ _3\"></span>h.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs6c6\">2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes prepayments.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs6c7\">3. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span></div><div class=\"gs5e4\"><table class=\"s wb30 h12e\" id=\"_a124ed7b-5851-422a-b755-f4ee04aae2d5\"><tr><td></td><td></td><td></td><td class=\"t m1 xc92 h21 y42ce ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x2c9 h21 y42cf ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x3ff h21 y42d0 ff1 fs5 fc5 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x8c4 h21 y42d0 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m1 x1054 h21 y42d1 ff1 fs5 fc5 sc0 ls0 ws0\">FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1055 h21 y42d1 ff1 fs5 fc5 sc0 ls5b ws108\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y42d1 ff1 fs5 fc5 sc0 ls127 ws12d\">cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1056 h21 y42d1 ff1 fs5 fc5 sc0 ls0 ws0\">amount</td></tr><tr><td></td><td class=\"t m1 xa5c h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _ae\"> </span>Note<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y42d3 ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _296\"> </span><span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42d4 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x1057 y42d4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1058 y42d4 w632 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1059 y42d4 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105a y42d4 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40b7 w9c5 h129\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100c y40b7 wb13 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105b y40b7 wb32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105c y40b7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec9 y40b7 wb33 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>802.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105d y40b7 wb34 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b7 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1011 y42b7 w804 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105e y42b7 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105f y42b7 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1060 y42b7 wb36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1061 y42b7 wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d5 w4f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1016 y42d5 w7fe hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1062 y42d5 wb37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1063 y42d5 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1064 y42d5 w5ef hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,751.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1065 y42d5 w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d6 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1066 y42d6 w58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1067 y42d6 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1068 y42d6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1069 y42d6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106a y42d6 w5a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42bd wb39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x106b h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106c y42d7 w5c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106d y42d7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106e y42d7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106f y42d7 wb3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1070 y42d7 wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1071 y42c1 w6d6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lseb ws27\">555.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1072 y42c1 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1073 y42c1 wb3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">28,89<span class=\"_ _3\"></span>1.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1074 y42c1 wb3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y42d8 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _255\"> </span><span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40c1 w74 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1075 y40c1 wb3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1076 y40c1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1077 y40c1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1078 y40c1 w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,<span class=\"_ _0\"></span>126.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1079 y40c1 w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,<span class=\"_ _0\"></span>126.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409d w70 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102e y409d wb24 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107a y409d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107b y409d w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107c y409d wb3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107d y409d wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f wb40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1033 y409f w7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107e y409f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107f y409f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1080 y409f w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1081 y409f w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c7 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1082 y42c7 wb41 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1083 y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1084 y42c7 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1085 y42c7 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcba y42c7 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d9 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1086 y42d9 w58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1087 y42d9 wb42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1088 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1089 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108a y42d9 wb43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cb wb44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x108b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106c y3d51 wb29 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108c y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108d y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108e y3d51 w516 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108f y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1047 y3fd3 w96 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1090 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1091 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1092 y3fd3 wb46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1093 y3fd3 w703 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104c y3d55 wb47 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1094 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1095 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1096 y3d55 wb48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1097 y3d55 wb49 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1098 y3d58 w9d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls61 ws5d\">36<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1099 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109a y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109b y3d58 w9f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109c y3d58 wb4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x109d y3d5a wb4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109e y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109f y3d5a wb4c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10a0 y3d5a wb4d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs6c9\">1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs6ca\">2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6cb\">The Group has no non-derivativ<span class=\"_ _0\"></span>e financial assets or financial liabilities classified as held </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6cc\">for<span class=\"_ gs2a\"> </span>tr<span class=\"_ _0\"></span>ading.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs37f\">The designation at FV<span class=\"_ _3\"></span>TPL f<span class=\"_ _0\"></span>or all financial assets is applied at inception.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls16d ws18a gs6ce\">ii. <span class=\"_ _c\"> </span>Fair valu<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6cf\">The follo<span class=\"_ _0\"></span>wing tables summarise the carrying value and estimat<span class=\"_ _0\"></span>ed fair value of financial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6d0\">instrumen<span class=\"_ _0\"></span>ts not measured at fair v<span class=\"_ _0\"></span>alue in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position: </div><div class=\"gs6d1\"><table class=\"s wb4e h12f\" id=\"_dd858a12-ebd3-48b2-a370-b66f4d2a642c\"><tr><td></td><td class=\"c n x10a1 y42da w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x10a2 y42da w4df hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x10a3 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x10a4 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Estimated </td><td></td><td class=\"t m1 x10a5 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x10a6 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Estimated </td></tr><tr><td></td><td class=\"t m1 x10a7 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">fair value<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xe99 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x10a8 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">fair value<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x853 h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb61 h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42de ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _122\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _10f\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4093 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10a9 y42df w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10aa y42df w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10ab y4093 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ac y4093 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b9 w47 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to credit institutio<span class=\"_ _3\"></span>ns<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ad y42ba wb4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ae y42ba w5d5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5.9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10af y42b9 wb50 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b0 y42b9 wb33 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bb w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b1 y42bc wb16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b2 y42bc wb51 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10b3 y42bb wb36 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b4 y42bb wb52 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls17 ws13\">3<span class=\"_ _3\"></span>25.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42e0 w4f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b5 y42e1 wb53 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>13<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b6 y42e1 w6e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">24,843.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10b7 y42e0 w80a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _3\"></span>5<span class=\"_ _0\"></span>1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b8 y42e0 wb54 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3d7e wb55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x10b9 h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ba y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bb y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10bc y42c1 w61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bd y42c1 w61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10be y42c3 wb56 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bf y42c3 wb57 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c0 y42e2 wb58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">28,891.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c1 y42e2 wb59 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">28<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42e3 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _68\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409d w74 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c2 y42c5 wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">2<span class=\"_ _3\"></span>3,8<span class=\"_ _3\"></span>20.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c3 y42c5 wb5a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">23,806.8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c4 y409d w77 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c5 y409d wb5b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22,<span class=\"_ _0\"></span>125.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f w70 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c6 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c7 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c8 y409f wb3f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c9 y409f wb3f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42e4 w7b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ca y42e5 w7d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cb y42e5 w81b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10cc y42e4 w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cd y42e4 w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ce y42e6 wb5c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,018.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cf y42e6 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d0 y42c9 w82 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d1 y42c9 w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42e7 wb5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d2 y3fb2 wb2b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d3 y3fb2 wb2b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d4 y3d51 wb5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d5 y3d51 wb5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d6 y4066 wb5f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d7 y4066 wb60 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d8 y3fd3 w703 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d9 y3fd3 wb61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10da y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10db y3fb4 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10dc y3d55 w70d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10dd y3d55 wb63 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>46.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10de y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1018 y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10df y3d58 wa5f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e0 y3d58 wb64 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10e1 y3f5f wb65 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e2 y3f5f wb66 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e3 y3d5a wb67 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e4 y3d5a wb68 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">4<span class=\"_ _3\"></span>.<span class=\"_ _18\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e5 y3d5a wb69 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs6d2\">1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs6d3\">2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6d4\">The fair values in these tables ar<span class=\"_ _0\"></span>e estimated using the v<span class=\"_ _0\"></span>aluation techniques below<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6d5\">The<span class=\"_ gs2a\"> </span>estimat<span class=\"_ _0\"></span>ed fair value is st<span class=\"_ _0\"></span>ated as at 31 December and may be significantly different </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6d6\">from<span class=\"_ gs2a\"> </span>the amount<span class=\"_ _0\"></span>s which will actually be paid on the maturity or settlement dates of each </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6d7\">financial instrumen<span class=\"_ _0\"></span>t. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6d9\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6da\">This represen<span class=\"_ _0\"></span>ts physical cash across the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s br<span class=\"_ _0\"></span>anch network wher<span class=\"_ _0\"></span>e fair value is considered </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6db\">to be equal to carrying v<span class=\"_ _0\"></span>alue. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6dc\">Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6dd\">This mainly represen<span class=\"_ _0\"></span>ts the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s working c<span class=\"_ _0\"></span>apital current accounts and c<span class=\"_ _0\"></span>all accounts with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6de\">centr<span class=\"_ _0\"></span>al government<span class=\"_ _0\"></span>s and other banks with an original maturity of less than thr<span class=\"_ _0\"></span>ee months. F<span class=\"_ _0\"></span>air </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6df\">value is not considered t<span class=\"_ _0\"></span>o be materially dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent to carrying value<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls109 ws106 gs6e0\">Investm<span class=\"_ _3\"></span>ent se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e1\">Inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _0\"></span>\u2019 f<span class=\"_ _0\"></span>air values are pro<span class=\"_ _0\"></span>vided by a third party and are based on the mark<span class=\"_ _0\"></span>et </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e2\">values of the financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6e3\">Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e4\">This mainly represen<span class=\"_ _0\"></span>ts secured mortgage lending to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. The fair value of fixe<span class=\"_ _0\"></span>d rate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e5\">mortgages has been estimated by discoun<span class=\"_ _0\"></span>ting future cash flow<span class=\"_ _0\"></span>s at current mark<span class=\"_ _0\"></span>et rates </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e6\">of int<span class=\"_ _0\"></span>erest. Future c<span class=\"_ _0\"></span>ash flows include the impact of ECL. The in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate on variable r<span class=\"_ _0\"></span>ate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e7\">mortgages is considered to be equal to curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et product r<span class=\"_ _0\"></span>ates and as such fair value is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6e8\">estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls10a ws107 gs6e9\">Other assets<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ea\">Other assets disclosed in the table abo<span class=\"_ _0\"></span>ve ex<span class=\"_ _0\"></span>clude prepayments and the f<span class=\"_ _0\"></span>air value is considered </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6eb\">to be equal to carrying v<span class=\"_ _0\"></span>alue. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6ec\">Amount<span class=\"_ _3\"></span>s owed to retail d<span class=\"_ _3\"></span>epositor<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ed\">The fair value o<span class=\"_ _0\"></span>f fixed rate r<span class=\"_ _0\"></span>etail deposits has been estimat<span class=\"_ _0\"></span>ed by discounting future cash flo<span class=\"_ _0\"></span>ws </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ee\">at current mark<span class=\"_ _0\"></span>et r<span class=\"_ _0\"></span>ates of inter<span class=\"_ _0\"></span>est. Ret<span class=\"_ _0\"></span>ail deposits at variable rat<span class=\"_ _0\"></span>es and deposits payable on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ef\">demand are considered t<span class=\"_ _0\"></span>o be at current mark<span class=\"_ _0\"></span>et rat<span class=\"_ _0\"></span>es and as such fair value is estimat<span class=\"_ _0\"></span>ed to be </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f0\">equal to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6f1\">Amount<span class=\"_ _3\"></span>s owed to cre<span class=\"_ _3\"></span>dit institutions<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f2\">This mainly represen<span class=\"_ _0\"></span>ts amounts dr<span class=\"_ _0\"></span>awn down under the BoE TFSME, IL<span class=\"_ _2\"></span>TR and commercial repos<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f3\">Fair value is considere<span class=\"_ _0\"></span>d to be equal to carrying value<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6f4\">Amount<span class=\"_ _3\"></span>s owed to other c<span class=\"_ _3\"></span>ustome<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f5\">This represen<span class=\"_ _0\"></span>ts saving products to corpor<span class=\"_ _0\"></span>ations and local authorities. The f<span class=\"_ _0\"></span>air value of fixed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f6\">rate deposit<span class=\"_ _0\"></span>s is estimated by discoun<span class=\"_ _0\"></span>ting future cash flows at curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et rates o<span class=\"_ _0\"></span>f interes<span class=\"_ _0\"></span>t. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f7\">Deposits at variable r<span class=\"_ _0\"></span>ates are considered to be at curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et rates and the f<span class=\"_ _0\"></span>air value is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6f8\">estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div>Deb<span class=\"_ _3\"></span>t securitie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span>While the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s debt securities in issue are lis<span class=\"_ _0\"></span>ted, the quoted prices for an individual no<span class=\"_ _0\"></span>te may not be indicative o<span class=\"_ _0\"></span>f the fair value of the issue as a whole<span class=\"_ _0\"></span>, due to the specialised nature of the mark<span class=\"_ _0\"></span>et in such ins<span class=\"_ _0\"></span>truments and the limited number of in<span class=\"_ _0\"></span>vest<span class=\"_ _0\"></span>ors participating in it. Fair value is not considered t<span class=\"_ _0\"></span>o be materially dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Othe<span class=\"_ _3\"></span>r liabilities<span class=\"_ _35a\"> </span>Other liabilities disclosed in the table abo<span class=\"_ _0\"></span>ve exclude de<span class=\"_ _0\"></span>ferred income and the fair v<span class=\"_ _0\"></span>alue is considered to be equal t<span class=\"_ _0\"></span>o carrying value.<span class=\"_ _35a\"> </span>Senior n<span class=\"_ _3\"></span>otes, Subordin<span class=\"_ _3\"></span>ated liabilities and PS<span class=\"_ _3\"></span>Bs<span class=\"_ _35a\"> </span>The senior notes<span class=\"_ _0\"></span>, subordinated liabilities and PSBs ar<span class=\"_ _0\"></span>e listed on the L<span class=\"_ _0\"></span>ondon Stock Exchange with fair value being the quot<span class=\"_ _0\"></span>ed mark<span class=\"_ _0\"></span>et price at the reporting date. iii. <span class=\"_ _11\"> </span>F<span class=\"_ _3\"></span>air value clas<span class=\"_ _3\"></span>sific<span class=\"_ _3\"></span>ation<span class=\"_ _35a\"> </span>The Group classifies fair v<span class=\"_ _0\"></span>alue measurements using a fair v<span class=\"_ _0\"></span>alue hierarchy that r<span class=\"_ _0\"></span>eflects the significance of the inputs used in making the me<span class=\"_ _0\"></span>asurements<span class=\"_ _0\"></span>. The following t<span class=\"_ _0\"></span>ables provide an analysis of financial assets and financial liabilities measur<span class=\"_ _0\"></span>ed at fair value in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position grouped int<span class=\"_ _0\"></span>o Lev<span class=\"_ _0\"></span>els 1 to 3 based on the degree t<span class=\"_ _0\"></span>o which the fair value is observable:<span class=\"_ _35a\"> </span><table class=\"s wb6a h130\" id=\"_d2d93c11-b4a5-4309-9609-e6c89514078c\"><tr><td></td><td class=\"t m1 xe95 h21 y42e8 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa18 h21 y42e8 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x850 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 xa1a h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 x10e6 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x279 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x24c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42eb ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _10d\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42ec w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y42ed wb6b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">636.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e7 y42ed w1ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">638.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e8 y42ed wb1f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e9 y42ed wb6c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">4<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ea y42ed w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10eb y42ed wb6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">636.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y42ee ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ec y3fb2 wb18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ed y3fb2 wb18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ee y3fb2 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ef y3fb2 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f0 y3fb2 wb6e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">12<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f1 y3fb2 wb6f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w57 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f2 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f3 y4066 wb70 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls21 ws20\">16<span class=\"_ _3\"></span>,47<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f4 y4066 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f5 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f6 y4066 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f7 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10f8 y3fe6 wb71 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">962<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f9 y3fe6 wb72 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">1<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fa y3fe6 wb1f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fb y3fe6 w778 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">723<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fc y3fe6 wb73 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">13.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fd y3fe6 wb74 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">962.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42ef ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _a7\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fe y3f5f w84 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ff y3f5f wb75 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1039 y3f5f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1100 y3f5f w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1101 y3f5f w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1102 y3f5f w84 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td></tr></table><div class=\"gs5e4\"><table class=\"s w441 h131\" id=\"_2b0b5be1-84c2-4fc1-aaae-6f4fdab5084a\"><tr><td></td><td class=\"t m1 x69a h21 y42f0 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa5a h21 y42f0 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe37 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1103 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 x1104 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 xad3 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x2c9 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x2cd h21 y42f2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y42f3 ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y42f5 w9c5 h103\"><div class=\"t m1 x247 hf y42f4 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1105 y42f5 wb32 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1106 y42f5 w6a6 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1107 y42f5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1108 y42f5 wb32 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1109 y42f5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110a y42f5 wb76 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422d w4b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y422d wb77 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110b y422d wb78 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>00.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1071 y422d wb35 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110c y422d w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110d y422d w631 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110e y422d wb79 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y42f6 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110f y3d51 wb37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1110 y3d51 w696 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls130 ws136\">16.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1111 y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1112 y3d51 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1113 y3d51 wb7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1114 y3d51 wb7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1115 y3fd3 w16 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1116 y3fd3 wb7b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">1<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1117 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1118 y3fd3 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1119 y3fd3 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111a y3fd3 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x111b y3d55 wb7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">851<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111c y3d55 wb7d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">1<span class=\"_ _3\"></span>7,<span class=\"_ _18\"> </span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111d y3d55 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111e y3d55 wb7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1a ws16\">5<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111f y3d55 wb7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">14.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1120 y3d55 wb80 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">8<span class=\"_ _3\"></span>51.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y42f7 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1121 y3d5a wb42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1122 y3d5a wb81 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">8<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1123 y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1124 y3d5a wb43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1125 y3d5a wb82 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h22 ff6 fs6 fc4 sc0 ls0 ws0 gs70d\">Le<span class=\"_ _0\"></span>vel 1:<span class=\"ff2\"> Fair values that ar<span class=\"_ _0\"></span>e based entirely on quote<span class=\"_ _0\"></span>d market prices (unadjus<span class=\"_ _0\"></span>ted) in an activ<span class=\"_ _0\"></span>ely </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs70e\">traded mark<span class=\"_ _0\"></span>et f<span class=\"_ _0\"></span>or identical assets and liabilities that the Group has the ability to access<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs70f\">V<span class=\"_ _0\"></span>aluation adjustmen<span class=\"_ _0\"></span>ts and block discounts are not applied t<span class=\"_ _0\"></span>o Lev<span class=\"_ _0\"></span>el 1 instrument<span class=\"_ _0\"></span>s. Since </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs710\">valuations are based on r<span class=\"_ _0\"></span>eadily available observable mark<span class=\"_ _0\"></span>et prices, this mak<span class=\"_ _0\"></span>es them mos<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs711\">reliable<span class=\"_ _0\"></span>, reduces the need for management judgemen<span class=\"_ _0\"></span>t and estimation and also reduces the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs712\">uncertainty associated with determining f<span class=\"_ _0\"></span>air values. </div><div class=\"t m1 h22 ff6 fs6 fc4 sc0 ls0 ws0 gs713\">Le<span class=\"_ _0\"></span>vel 2:<span class=\"ff2\"> Fair values that ar<span class=\"_ _0\"></span>e based on one or more quoted prices in mark<span class=\"_ _0\"></span>ets that ar<span class=\"_ _0\"></span>e not active </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs714\">or for which all significant input<span class=\"_ _0\"></span>s are tak<span class=\"_ _0\"></span>en from directly or indir<span class=\"_ _0\"></span>ectly obser<span class=\"_ _3\"></span>vable mark<span class=\"_ _0\"></span>et data. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs715\">These include valuation models used to c<span class=\"_ _0\"></span>alculate the present value o<span class=\"_ _0\"></span>f expected future c<span class=\"_ _0\"></span>ash </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs716\">flows and may be employe<span class=\"_ _0\"></span>d either when no active mark<span class=\"_ _0\"></span>et exis<span class=\"_ _0\"></span>ts or when there are no quot<span class=\"_ _0\"></span>ed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs717\">prices available for similar ins<span class=\"_ _0\"></span>truments in activ<span class=\"_ _0\"></span>e market<span class=\"_ _0\"></span>s. </div><div class=\"t m1 h22 ff6 fs6 fc4 sc0 ls0 ws0 gs718\">Le<span class=\"_ _0\"></span>vel 3:<span class=\"ff2\"> Fair values f<span class=\"_ _0\"></span>or which any one or more significant input is not based on observable </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs719\">mark<span class=\"_ _0\"></span>et data and the unobservable inputs have a significan<span class=\"_ _0\"></span>t effect on the instrument<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s fair </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71a\">value<span class=\"_ _0\"></span>. Valuation mo<span class=\"_ _0\"></span>dels that employ significant unobservable inputs require a higher de<span class=\"_ _0\"></span>gree of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71b\">management judgement and es<span class=\"_ _0\"></span>timation in determining the fair value<span class=\"_ _0\"></span>. Management judgement </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71c\">and estimation ar<span class=\"_ _0\"></span>e usually required for the selection o<span class=\"_ _0\"></span>f the appropriate valuation model t<span class=\"_ _0\"></span>o be </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71d\">used, determination of e<span class=\"_ _0\"></span>xpected future cash flo<span class=\"_ _0\"></span>ws on the financial instrumen<span class=\"_ _0\"></span>ts being valued, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71e\">determination of the pr<span class=\"_ _0\"></span>obability of counterparty default and prepaymen<span class=\"_ _0\"></span>ts, det<span class=\"_ _0\"></span>ermination of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs71f\">expected v<span class=\"_ _0\"></span>olatilities and correlations and the selection of appropriat<span class=\"_ _0\"></span>e discount rates<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs721\">The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f financial assets and financial liabilities not measured </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs722\">at fair value in the Consolidated S<span class=\"_ _0\"></span>tatement of Financial Position gr<span class=\"_ _0\"></span>ouped into L<span class=\"_ _0\"></span>evels 1 t<span class=\"_ _0\"></span>o 3 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs723\">based on the degree to which the f<span class=\"_ _0\"></span>air value is observable:<span class=\"_ _35a\"> </span></div><div class=\"gs616\"><table class=\"s wb83 h132\" id=\"_d4ca675f-3e3f-4acd-91ff-df26c6b060f0\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1126 h21 y42f8 ff1 fs5 fc5 sc0 ls0 ws0\">Estimated fair value<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 xe95 h21 y42f9 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa18 h21 y42f9 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x850 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 xa1a h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 x10e6 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x279 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x24c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42fc ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _10d\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42fd w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1127 y42fe wb84 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1128 y42fe w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y42fe w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112a y42fe wb84 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112b y42fe w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112c y42fe w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42ff w9c5 hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112d y4300 wb85 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112e y4300 wb86 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y4300 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112f y4300 wb14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1130 y4300 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1131 y4300 wb4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4301 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1132 y4302 wb87 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1133 y4302 wb88 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">79<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104d y4302 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1134 y4302 wb89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x365 y4302 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1135 y4302 wb89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4303 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4304 w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y4305 w9bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1136 y4305 wb8a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">25,<span class=\"_ _3\"></span>313.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1137 y4305 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1138 y4305 wb8b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _1\"></span>,18<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1139 y4305 wb8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22,6<span class=\"_ _3\"></span>60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113a y4305 wb8d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">24<span class=\"_ _0\"></span>,843.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4306 wb55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x10b9 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113b y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113c y4307 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113d y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113e y4307 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113f y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x1140 y4308 wb8e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1141 y4308 wb8f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">29<span class=\"_ _0\"></span>,508.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1142 y4308 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1143 y4308 wb90 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">6,386.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x2bd y4308 wb8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _3\"></span>,660.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1144 y4308 wa25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4309 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _a7\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y430a ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y430b wb91 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">depositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1145 y430c wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23,<span class=\"_ _3\"></span>820.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1146 y430c wb92 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1147 y430c w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1148 y430c wb93 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2a wsc\">8<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1149 y430c wb94 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">1<span class=\"_ _3\"></span>5,3<span class=\"_ _3\"></span>42<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114a y430c wb5a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">23,806.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y430d wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114b y430e w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114c y430e wb95 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,<span class=\"_ _0\"></span>913.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114d y430e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114e y430e w13b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114f y430e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1150 y430e w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42d9 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1151 y430f w7d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1152 y430f wb96 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1153 y430f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1091 y430f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1154 y430f wa89 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1155 y430f w7d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42cb w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1156 y42cc w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1157 y42cc wb97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1158 y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1159 y42cc wb98 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115a y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115b y42cc wb5c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cd wb5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115c y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115d y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115e y3fb3 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115f y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1160 y3fb3 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1161 y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1162 y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1163 y3fb4 wb99 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls23 ws22\">70<span class=\"_ _3\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1164 y3fb4 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1165 y3fb4 wb9a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1166 y3fb4 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1167 y3fb4 wb60 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1168 y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1169 y3fb5 wb9b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">250.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ee y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116a y3fb5 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116b y3fb5 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f0 y3fb5 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x116c y3f5f wb65 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116d y3f5f wb9c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">27<span class=\"_ _2\"></span>,451.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116e y3f5f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116f y3f5f wb9d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">12,5<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1170 y3f5f wb9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15,44<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1171 y3f5f wb9f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs724\">1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs725\">2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span></div><div class=\"gs5e4\"><table class=\"s wba0 h133\" id=\"_31bc7c5f-43d7-42cb-bd01-f8968bc9df72\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1172 h21 y4310 ff1 fs5 fc5 sc0 ls0 ws0\">Estimated fair value<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y4311 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa5a h21 y4311 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1103 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 x1104 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 xad3 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x2c9 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x2cd h21 y4313 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4314 ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4315 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4315 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4315 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9f y4315 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1173 y4315 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1174 y4315 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1175 y4315 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4316 w9c5 h126\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4316 w5c1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>80<span class=\"_ _3\"></span>2.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1176 y4316 wba1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,78<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1177 y4316 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1178 y4316 wb33 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1179 y4316 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117a y4316 w5c1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>80<span class=\"_ _3\"></span>2.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4317 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117b y4317 w5c7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117c y4317 wba2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">323.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117d y4317 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117e y4317 wba3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls17 ws13\">325<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117f y4317 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1180 y4317 wba3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls17 ws13\">325.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4318 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4319 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1181 y4319 wba4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _3\"></span>51<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1182 y4319 wba5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,<span class=\"_ _0\"></span>928.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1183 y4319 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1184 y4319 wba6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,1<span class=\"_ _0\"></span>12.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1185 y4319 wa1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1186 y4319 wba7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y431a wb39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x106b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1187 y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1188 y431b wba8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1189 y431b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118a y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118b y431b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118c y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x118d y431c wb58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">28,891.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118e y431c wba9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">29<span class=\"_ _0\"></span>,05<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118f y431c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1190 y431c w83a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">5,<span class=\"_ _3\"></span>253.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1191 y431c wbaa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1192 y431c wbab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y431d ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y431e wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1193 y431e w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1194 y431e wba4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">21,7<span class=\"_ _0\"></span>66.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1195 y431e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1196 y431e wbac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">5,786.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1197 y431e wbad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsd4 ws24\">16,339<span class=\"_ _2\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1198 y431e wb5b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22,<span class=\"_ _0\"></span>125.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y431f wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y431f wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1199 y431f w94c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">3<span class=\"_ _3\"></span>,5<span class=\"_ _3\"></span>24.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119a y431f w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119b y431f wbae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119c y431f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119d y431f wb3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42c7 wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y42c7 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119e y42c7 wbaf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsef wsea\">61<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119f y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a0 y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a1 y42c7 wbb0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">6<span class=\"_ _3\"></span>3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a2 y42c7 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d9 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y42d9 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf55 y42d9 wbb1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1177 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a3 y42d9 wbb2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a4 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7bc y42d9 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4320 wb44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x108b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcf y3d51 w516 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a5 y3d51 w53b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a6 y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a7 y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a8 y3d51 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a9 y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y3fd3 w703 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11aa y3fd3 w4d2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ab y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ac y3fd3 wbb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ad y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ae y3fd3 wbb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11af y3fd5 wb48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b0 y3fd5 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>50.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b1 y3fd5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b2 y3fd5 wbb4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">24<span class=\"_ _3\"></span>6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b3 y3fd5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b4 y3fd5 wbb4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">246<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b5 y3d58 wb4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b6 y3d58 wbb5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b7 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b8 y3d58 wbb6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b9 y3d58 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ba y3d58 w8da hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x11bb y3d5a wbb7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"> </span>2<span class=\"_ _18\"> </span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bc y3d5a wbb8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">26<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bd y3d5a w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11be y3d5a wbb9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">10,788.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bf y3d5a w425 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">16,<span class=\"_ _0\"></span>402.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c0 y3d5a wbba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _18\"> </span>7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs727\">1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs728\">2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-508": {
   "value": "5. <span class=\"_ _11\"> </span>Fair value losses on financial instruments<span class=\"_ _35a\"> </span><table class=\"s w21b hd1\" id=\"_21364306-a2eb-48fe-a25c-9ca03bc35455\"><tr><td></td><td class=\"t m1 x45b h21 y3e62 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e62 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e63 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e63 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e65 w21c hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Fair value chan<span class=\"_ _3\"></span>ges in he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b8 y3e66 w21d hd2\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls1e ws1d\">31.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b9 y3e65 w21e hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e67 w21f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Hed<span class=\"_ _3\"></span>ging of asse<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ba y3e68 w220 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls101 ws6f\">(53.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bb y3e67 w221 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">(59<span class=\"_ _3\"></span>0.2)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e69 w222 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fair value chan<span class=\"_ _3\"></span>ges in he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bc y3e6a w223 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bd y3e69 w224 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(82.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e6b w225 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Hed<span class=\"_ _3\"></span>ging of liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4be y3e6c w226 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">(35<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bf y3e6b w227 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">94.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e6d w228 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Ineffe<span class=\"_ _3\"></span>ctive po<span class=\"_ _3\"></span>rtio<span class=\"_ _3\"></span>n of hedge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c0 y3e6e w229 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c1 y3e6d w22a hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e70 w22b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Net gain<span class=\"_ _3\"></span>s/<span class=\"_ _0\"></span>(los<span class=\"_ _3\"></span>ses) on unmatched s<span class=\"_ _3\"></span>waps</div><div class=\"t m1 x4c2 h20 y3e6f ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c3 y3e71 w22c hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls1e ws1d\">21.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c4 y3e72 w22d hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>11<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e73 w22e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of inception a<span class=\"_ _3\"></span>djustment<span class=\"_ _3\"></span>s</div><div class=\"t m1 x4c5 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3e74 w22f hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">(5.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c7 y3e75 w230 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">(<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e77 w231 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of acquisitio<span class=\"_ _3\"></span>n-related ince<span class=\"_ _3\"></span>ption adjustm<span class=\"_ _3\"></span>ents</div><div class=\"t m1 x4c8 h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c9 y3e78 w232 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ca y3e79 w233 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">6<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e7a w234 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of de-de<span class=\"_ _3\"></span>signated he<span class=\"_ _3\"></span>dge rel<span class=\"_ _3\"></span>ationships</div><div class=\"t m1 x4cb h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cc y3e7b w235 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">(0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cd y3e7c w1c8 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e7d w236 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Fair value movem<span class=\"_ _3\"></span>ents on mo<span class=\"_ _3\"></span>rtgag<span class=\"_ _3\"></span>es at F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ce y3e7e w237 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cf y3e7d w238 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e7f ff2 fs6 fc4 sc0 ls0 ws0\">Fair value movem<span class=\"_ _3\"></span>ents on lo<span class=\"_ _3\"></span>ans and advan<span class=\"_ _3\"></span>ces to cre<span class=\"_ _3\"></span>dit </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e51 w239 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">institutio<span class=\"_ _3\"></span>ns at FV<span class=\"_ _3\"></span>T<span class=\"_ _3\"></span>PL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e52 w1e2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d0 y3e51 w23a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w23b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Deb<span class=\"_ _3\"></span>it and credit valu<span class=\"_ _3\"></span>ation adjustm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d1 y3e4e w1ea hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d2 y3dfe w23c hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d3 y3e01 w23d hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls14 ws12\">(1.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d4 y3d5a w23e hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _1\"></span>4.4)<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Net g<span class=\"_ _3\"></span>ains<span class=\"_ _3\"></span>/<span class=\"_ _0\"></span>(l<span class=\"_ _3\"></span>oss<span class=\"_ _3\"></span>es) on unm<span class=\"_ _3\"></span>atch<span class=\"_ _3\"></span>ed sw<span class=\"_ _3\"></span>aps in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>e fair va<span class=\"_ _3\"></span>lue mov<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nts of \u00a35<span class=\"_ _3\"></span>.7m (<span class=\"_ _0\"></span>20<span class=\"_ _3\"></span>23: nil<span class=\"_ _3\"></span>) on swa<span class=\"_ _3\"></span>ps us<span class=\"_ _3\"></span>ed for t<span class=\"_ _3\"></span>he equ<span class=\"_ _3\"></span>ity str<span class=\"_ _3\"></span>uctur<span class=\"_ _3\"></span>al hed<span class=\"_ _3\"></span>ge (see n<span class=\"_ _3\"></span>ote 23 fo<span class=\"_ _3\"></span>r fur<span class=\"_ _3\"></span>the<span class=\"_ _3\"></span>r inform<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n)<span class=\"_ _0\"></span>. Th<span class=\"_ _3\"></span>e Grou<span class=\"_ _3\"></span>p exclud<span class=\"_ _3\"></span>ed a p<span class=\"_ _3\"></span>ort<span class=\"_ _3\"></span>ion of m<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tgage h<span class=\"_ _3\"></span>ed<span class=\"_ _3\"></span>ging sw<span class=\"_ _3\"></span>aps fr<span class=\"_ _3\"></span>om hedge ac<span class=\"_ _3\"></span>counting providing an offset<span class=\"_ _3\"></span>ting fair value movement of \u00a35.<span class=\"_ _0\"></span>1m (2023:<span class=\"_ _0\"></span> nil).<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>The amor<span class=\"_ _3\"></span>tisation of inception adjustm<span class=\"_ _3\"></span>ent relates to the amortisatio<span class=\"_ _3\"></span>n of t<span class=\"_ _0\"></span>he he<span class=\"_ _3\"></span>dging adjustments arisin<span class=\"_ _3\"></span>g when hedge accounting<span class=\"_ _0\"></span> commences, primarily<span class=\"_ _0\"></span> on derivative i<span class=\"_ _0\"></span>nstruments previously<span class=\"_ _0\"></span> taken<span class=\"_ _0\"></span> out against t<span class=\"_ _0\"></span>he mortgage pipeline and<span class=\"_ _0\"></span> on derivative i<span class=\"_ _0\"></span>nstruments previously<span class=\"_ _0\"></span> taken<span class=\"_ _0\"></span> out against ne<span class=\"_ _0\"></span>w retail<span class=\"_ _0\"></span> deposits.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Re<span class=\"_ _3\"></span>late<span class=\"_ _3\"></span>s to he<span class=\"_ _3\"></span>dge a<span class=\"_ _3\"></span>cco<span class=\"_ _3\"></span>unting a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts and l<span class=\"_ _3\"></span>iabil<span class=\"_ _3\"></span>itie<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed a<span class=\"_ _3\"></span>t acqu<span class=\"_ _3\"></span>isiti<span class=\"_ _3\"></span>on. Th<span class=\"_ _3\"></span>e inc<span class=\"_ _3\"></span>eptio<span class=\"_ _3\"></span>n adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nts ar<span class=\"_ _3\"></span>e being amor<span class=\"_ _3\"></span>tised over the life of the derivative ins<span class=\"_ _3\"></span>truments acquired at acquis<span class=\"_ _3\"></span>ition subseque<span class=\"_ _3\"></span>ntly designated in hedging<span class=\"_ gs378\"> </span>relatio<span class=\"_ _3\"></span>nships.<span class=\"_ _35a\"> </span>4. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>Rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o the amo<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>isat<span class=\"_ _3\"></span>ion of he<span class=\"_ _3\"></span>dg<span class=\"_ _3\"></span>ed ite<span class=\"_ _3\"></span>ms whe<span class=\"_ _3\"></span>re he<span class=\"_ _3\"></span>dge a<span class=\"_ _3\"></span>cco<span class=\"_ _3\"></span>unting h<span class=\"_ _3\"></span>as b<span class=\"_ _3\"></span>een di<span class=\"_ _3\"></span>sco<span class=\"_ _3\"></span>ntinu<span class=\"_ _3\"></span>ed.<span class=\"_ _35a\"> </span>43. <span class=\"_ _2\"></span>Financial instruments and fair values<span class=\"_ _35a\"> </span>i. <span class=\"_ _18a\"> </span>Financial a<span class=\"_ _3\"></span>ssets an<span class=\"_ _3\"></span>d financial li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables set out the classification of financial ins<span class=\"_ _0\"></span>truments in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position:<span class=\"_ _35a\"> </span><table class=\"s wb11 h12d\" id=\"_fb03cfd2-df25-48dd-967e-38cf8c5136b0\"><tr><td></td><td></td><td></td><td class=\"t m1 x8e2 h21 y42ae ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x279 h21 y42af ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x3cd h21 y42b0 ff1 fs5 fc5 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x8df h21 y42b0 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"c x1003 y42b1 wb12 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">FV<span class=\"_ _3\"></span>TPL</div><div class=\"t m1 x1002 h39 y3d60 ff1 fs1e fc5 sc0 ls0 ws0\">1</div></td><td class=\"t m1 x1004 h21 y42b2 ff1 fs5 fc5 sc0 ls5b ws108\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1005 h21 y42b2 ff1 fs5 fc5 sc0 ls127 ws12d\">cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1006 h21 y42b2 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x1007 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">Note<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42b4 ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _296\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _10f\"> </span><span class=\"ff1\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42b5 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x1008 y42b6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1009 y42b6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100a y42b6 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100b y42b6 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42b7 w9c5 hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100c y42b7 wb13 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100d y42b8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100e y42b8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100f y42b8 w49 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1010 y42b8 wb14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b9 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1011 y42b9 w804 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1012 y42ba wa59 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">41<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1013 y42ba wb15 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1014 y42ba wb16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1015 y42ba wb17 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bb w4f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1016 y42bb w7fe hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1017 y42bc wb18 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1018 y42bc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1019 y42bc wb19 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _1\"></span>5,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101a y42bc wb1a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">25,<span class=\"_ _0\"></span>126.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bd w57 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101b y42bd w58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101c y42be w12b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101d y42be w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101e y42be w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101f y42be w59 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">313<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42c0 wb1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x1020 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y42c1 wb1c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1021 y42c2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1022 y42c2 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1023 y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1024 y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1025 y42c3 wb1e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">736.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1026 y42c3 wb1f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1027 y42c3 wb20 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1028 y42c3 wb21 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>82<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42c4 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _255\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _10f\"> </span><span class=\"ff1\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409d w74 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1029 y409d w75 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102a y42c5 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102b y42c5 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102c y42c5 wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23<span class=\"_ _3\"></span>,820.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102d y42c5 wb23 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f w70 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102e y409f wb24 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102f y42c6 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1030 y42c6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1031 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1032 y42c6 wb25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _1\"></span>5.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c7 w7b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1033 y42c7 w7c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1034 y42c8 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1035 y42c8 w9e hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1036 y42c8 wb26 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">10<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1037 y42c8 w81b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1038 y42c9 w80 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1039 y42ca w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103a y42ca w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103b y42ca w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103c y42ca w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42cb w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103d y42cb w58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103e y42cc w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103f y42cc wb27 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1040 y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1041 y42cc w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cd wb28 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y3d53 wb29 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1043 y3fb3 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1044 y3fb3 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1045 y3fb3 wb2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1046 y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1047 y3d55 wb2c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1048 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1049 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104a y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104b y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104c y3d58 w9a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104d y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104e y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104f y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1050 y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1051 y3f5f wb2d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe78 y3f5f w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1052 y3f5f wb2e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1053 y3f5f wb2f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls69 ws1e\">27<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>999<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>A<span class=\"_ _3\"></span>ll FV<span class=\"_ _3\"></span>T<span class=\"_ _3\"></span>PL as<span class=\"_ _3\"></span>sets a<span class=\"_ _3\"></span>nd liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es are m<span class=\"_ _3\"></span>anda<span class=\"_ _3\"></span>toril<span class=\"_ _3\"></span>y mea<span class=\"_ _3\"></span>sure<span class=\"_ _3\"></span>d as suc<span class=\"_ _3\"></span>h.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes prepayments.<span class=\"_ _35a\"> </span>3. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span><table class=\"s wb30 h12e\" id=\"_a124ed7b-5851-422a-b755-f4ee04aae2d5\"><tr><td></td><td></td><td></td><td class=\"t m1 xc92 h21 y42ce ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x2c9 h21 y42cf ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x3ff h21 y42d0 ff1 fs5 fc5 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x8c4 h21 y42d0 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m1 x1054 h21 y42d1 ff1 fs5 fc5 sc0 ls0 ws0\">FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1055 h21 y42d1 ff1 fs5 fc5 sc0 ls5b ws108\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y42d1 ff1 fs5 fc5 sc0 ls127 ws12d\">cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1056 h21 y42d1 ff1 fs5 fc5 sc0 ls0 ws0\">amount</td></tr><tr><td></td><td class=\"t m1 xa5c h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _ae\"> </span>Note<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y42d3 ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _296\"> </span><span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42d4 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x1057 y42d4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1058 y42d4 w632 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1059 y42d4 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105a y42d4 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40b7 w9c5 h129\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100c y40b7 wb13 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105b y40b7 wb32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105c y40b7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec9 y40b7 wb33 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>802.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105d y40b7 wb34 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b7 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1011 y42b7 w804 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105e y42b7 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105f y42b7 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1060 y42b7 wb36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1061 y42b7 wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d5 w4f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1016 y42d5 w7fe hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1062 y42d5 wb37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1063 y42d5 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1064 y42d5 w5ef hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,751.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1065 y42d5 w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d6 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1066 y42d6 w58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1067 y42d6 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1068 y42d6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1069 y42d6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106a y42d6 w5a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42bd wb39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x106b h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106c y42d7 w5c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106d y42d7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106e y42d7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106f y42d7 wb3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1070 y42d7 wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1071 y42c1 w6d6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lseb ws27\">555.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1072 y42c1 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1073 y42c1 wb3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">28,89<span class=\"_ _3\"></span>1.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1074 y42c1 wb3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y42d8 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _255\"> </span><span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40c1 w74 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1075 y40c1 wb3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1076 y40c1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1077 y40c1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1078 y40c1 w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,<span class=\"_ _0\"></span>126.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1079 y40c1 w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,<span class=\"_ _0\"></span>126.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409d w70 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102e y409d wb24 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107a y409d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107b y409d w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107c y409d wb3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107d y409d wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f wb40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1033 y409f w7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107e y409f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107f y409f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1080 y409f w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1081 y409f w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c7 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1082 y42c7 wb41 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1083 y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1084 y42c7 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1085 y42c7 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcba y42c7 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d9 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1086 y42d9 w58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1087 y42d9 wb42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1088 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1089 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108a y42d9 wb43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cb wb44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x108b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106c y3d51 wb29 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108c y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108d y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108e y3d51 w516 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108f y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1047 y3fd3 w96 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1090 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1091 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1092 y3fd3 wb46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1093 y3fd3 w703 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104c y3d55 wb47 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1094 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1095 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1096 y3d55 wb48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1097 y3d55 wb49 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1098 y3d58 w9d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls61 ws5d\">36<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1099 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109a y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109b y3d58 w9f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109c y3d58 wb4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x109d y3d5a wb4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109e y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109f y3d5a wb4c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10a0 y3d5a wb4d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span>The Group has no non-derivativ<span class=\"_ _0\"></span>e financial assets or financial liabilities classified as held for<span class=\"_ gs2a\"> </span>tr<span class=\"_ _0\"></span>ading.<span class=\"_ _35a\"> </span>The designation at FV<span class=\"_ _3\"></span>TPL f<span class=\"_ _0\"></span>or all financial assets is applied at inception.<span class=\"_ _35a\"> </span>ii. <span class=\"_ _c\"> </span>Fair valu<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables summarise the carrying value and estimat<span class=\"_ _0\"></span>ed fair value of financial instrumen<span class=\"_ _0\"></span>ts not measured at fair v<span class=\"_ _0\"></span>alue in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position: <table class=\"s wb4e h12f\" id=\"_dd858a12-ebd3-48b2-a370-b66f4d2a642c\"><tr><td></td><td class=\"c n x10a1 y42da w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x10a2 y42da w4df hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x10a3 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x10a4 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Estimated </td><td></td><td class=\"t m1 x10a5 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x10a6 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Estimated </td></tr><tr><td></td><td class=\"t m1 x10a7 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">fair value<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xe99 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x10a8 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">fair value<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x853 h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb61 h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42de ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _122\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _10f\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4093 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10a9 y42df w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10aa y42df w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10ab y4093 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ac y4093 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b9 w47 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to credit institutio<span class=\"_ _3\"></span>ns<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ad y42ba wb4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ae y42ba w5d5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5.9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10af y42b9 wb50 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b0 y42b9 wb33 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bb w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b1 y42bc wb16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b2 y42bc wb51 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10b3 y42bb wb36 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b4 y42bb wb52 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls17 ws13\">3<span class=\"_ _3\"></span>25.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42e0 w4f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b5 y42e1 wb53 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>13<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b6 y42e1 w6e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">24,843.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10b7 y42e0 w80a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _3\"></span>5<span class=\"_ _0\"></span>1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b8 y42e0 wb54 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3d7e wb55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x10b9 h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ba y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bb y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10bc y42c1 w61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bd y42c1 w61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10be y42c3 wb56 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bf y42c3 wb57 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c0 y42e2 wb58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">28,891.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c1 y42e2 wb59 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">28<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42e3 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _68\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409d w74 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c2 y42c5 wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">2<span class=\"_ _3\"></span>3,8<span class=\"_ _3\"></span>20.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c3 y42c5 wb5a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">23,806.8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c4 y409d w77 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c5 y409d wb5b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22,<span class=\"_ _0\"></span>125.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f w70 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c6 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c7 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c8 y409f wb3f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c9 y409f wb3f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42e4 w7b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ca y42e5 w7d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cb y42e5 w81b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10cc y42e4 w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cd y42e4 w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ce y42e6 wb5c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,018.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cf y42e6 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d0 y42c9 w82 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d1 y42c9 w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42e7 wb5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d2 y3fb2 wb2b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d3 y3fb2 wb2b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d4 y3d51 wb5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d5 y3d51 wb5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d6 y4066 wb5f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d7 y4066 wb60 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d8 y3fd3 w703 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d9 y3fd3 wb61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10da y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10db y3fb4 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10dc y3d55 w70d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10dd y3d55 wb63 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>46.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10de y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1018 y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10df y3d58 wa5f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e0 y3d58 wb64 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10e1 y3f5f wb65 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e2 y3f5f wb66 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e3 y3d5a wb67 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e4 y3d5a wb68 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">4<span class=\"_ _3\"></span>.<span class=\"_ _18\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e5 y3d5a wb69 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span>The fair values in these tables ar<span class=\"_ _0\"></span>e estimated using the v<span class=\"_ _0\"></span>aluation techniques below<span class=\"_ _0\"></span>. The<span class=\"_ gs2a\"> </span>estimat<span class=\"_ _0\"></span>ed fair value is st<span class=\"_ _0\"></span>ated as at 31 December and may be significantly different from<span class=\"_ gs2a\"> </span>the amount<span class=\"_ _0\"></span>s which will actually be paid on the maturity or settlement dates of each financial instrumen<span class=\"_ _0\"></span>t. Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span>This represen<span class=\"_ _0\"></span>ts physical cash across the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s br<span class=\"_ _0\"></span>anch network wher<span class=\"_ _0\"></span>e fair value is considered to be equal to carrying v<span class=\"_ _0\"></span>alue. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span>This mainly represen<span class=\"_ _0\"></span>ts the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s working c<span class=\"_ _0\"></span>apital current accounts and c<span class=\"_ _0\"></span>all accounts with centr<span class=\"_ _0\"></span>al government<span class=\"_ _0\"></span>s and other banks with an original maturity of less than thr<span class=\"_ _0\"></span>ee months. F<span class=\"_ _0\"></span>air value is not considered t<span class=\"_ _0\"></span>o be materially dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent to carrying value<span class=\"_ _0\"></span>. Investm<span class=\"_ _3\"></span>ent se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span>Inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _0\"></span>\u2019 f<span class=\"_ _0\"></span>air values are pro<span class=\"_ _0\"></span>vided by a third party and are based on the mark<span class=\"_ _0\"></span>et values of the financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>This mainly represen<span class=\"_ _0\"></span>ts secured mortgage lending to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. The fair value of fixe<span class=\"_ _0\"></span>d rate mortgages has been estimated by discoun<span class=\"_ _0\"></span>ting future cash flow<span class=\"_ _0\"></span>s at current mark<span class=\"_ _0\"></span>et rates of int<span class=\"_ _0\"></span>erest. Future c<span class=\"_ _0\"></span>ash flows include the impact of ECL. The in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate on variable r<span class=\"_ _0\"></span>ate mortgages is considered to be equal to curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et product r<span class=\"_ _0\"></span>ates and as such fair value is estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>. Other assets<span class=\"_ _35a\"> </span>Other assets disclosed in the table abo<span class=\"_ _0\"></span>ve ex<span class=\"_ _0\"></span>clude prepayments and the f<span class=\"_ _0\"></span>air value is considered to be equal to carrying v<span class=\"_ _0\"></span>alue. Amount<span class=\"_ _3\"></span>s owed to retail d<span class=\"_ _3\"></span>epositor<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>The fair value o<span class=\"_ _0\"></span>f fixed rate r<span class=\"_ _0\"></span>etail deposits has been estimat<span class=\"_ _0\"></span>ed by discounting future cash flo<span class=\"_ _0\"></span>ws at current mark<span class=\"_ _0\"></span>et r<span class=\"_ _0\"></span>ates of inter<span class=\"_ _0\"></span>est. Ret<span class=\"_ _0\"></span>ail deposits at variable rat<span class=\"_ _0\"></span>es and deposits payable on demand are considered t<span class=\"_ _0\"></span>o be at current mark<span class=\"_ _0\"></span>et rat<span class=\"_ _0\"></span>es and as such fair value is estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Amount<span class=\"_ _3\"></span>s owed to cre<span class=\"_ _3\"></span>dit institutions<span class=\"_ _35a\"> </span>This mainly represen<span class=\"_ _0\"></span>ts amounts dr<span class=\"_ _0\"></span>awn down under the BoE TFSME, IL<span class=\"_ _2\"></span>TR and commercial repos<span class=\"_ _0\"></span>. Fair value is considere<span class=\"_ _0\"></span>d to be equal to carrying value<span class=\"_ _0\"></span>. Amount<span class=\"_ _3\"></span>s owed to other c<span class=\"_ _3\"></span>ustome<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span>This represen<span class=\"_ _0\"></span>ts saving products to corpor<span class=\"_ _0\"></span>ations and local authorities. The f<span class=\"_ _0\"></span>air value of fixed rate deposit<span class=\"_ _0\"></span>s is estimated by discoun<span class=\"_ _0\"></span>ting future cash flows at curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et rates o<span class=\"_ _0\"></span>f interes<span class=\"_ _0\"></span>t. Deposits at variable r<span class=\"_ _0\"></span>ates are considered to be at curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et rates and the f<span class=\"_ _0\"></span>air value is estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls0 ws0 gs6fa\">Deb<span class=\"_ _3\"></span>t securitie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6fb\">While the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s debt securities in issue are lis<span class=\"_ _0\"></span>ted, the quoted prices for an individual no<span class=\"_ _0\"></span>te </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6fc\">may not be indicative o<span class=\"_ _0\"></span>f the fair value of the issue as a whole<span class=\"_ _0\"></span>, due to the specialised nature </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6fd\">of the mark<span class=\"_ _0\"></span>et in such ins<span class=\"_ _0\"></span>truments and the limited number of in<span class=\"_ _0\"></span>vest<span class=\"_ _0\"></span>ors participating in it. Fair </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6fe\">value is not considered t<span class=\"_ _0\"></span>o be materially dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls146 ws14e gs6ff\">Othe<span class=\"_ _3\"></span>r liabilities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs700\">Other liabilities disclosed in the table abo<span class=\"_ _0\"></span>ve exclude de<span class=\"_ _0\"></span>ferred income and the fair v<span class=\"_ _0\"></span>alue is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs701\">considered to be equal t<span class=\"_ _0\"></span>o carrying value.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc3 sc0 ls132 ws138 gs702\">Senior n<span class=\"_ _3\"></span>otes, Subordin<span class=\"_ _3\"></span>ated liabilities and PS<span class=\"_ _3\"></span>Bs<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs703\">The senior notes<span class=\"_ _0\"></span>, subordinated liabilities and PSBs ar<span class=\"_ _0\"></span>e listed on the L<span class=\"_ _0\"></span>ondon Stock Exchange </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs704\">with fair value being the quot<span class=\"_ _0\"></span>ed mark<span class=\"_ _0\"></span>et price at the reporting date. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs705\">iii. <span class=\"_ _11\"> </span>F<span class=\"_ _3\"></span>air value clas<span class=\"_ _3\"></span>sific<span class=\"_ _3\"></span>ation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs706\">The Group classifies fair v<span class=\"_ _0\"></span>alue measurements using a fair v<span class=\"_ _0\"></span>alue hierarchy that r<span class=\"_ _0\"></span>eflects the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs707\">significance of the inputs used in making the me<span class=\"_ _0\"></span>asurements<span class=\"_ _0\"></span>. The following t<span class=\"_ _0\"></span>ables provide an </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs708\">analysis of financial assets and financial liabilities measur<span class=\"_ _0\"></span>ed at fair value in the Consolidated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs709\">Statemen<span class=\"_ _0\"></span>t of Financial Position grouped int<span class=\"_ _0\"></span>o Lev<span class=\"_ _0\"></span>els 1 to 3 based on the degree t<span class=\"_ _0\"></span>o which the fair </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs70a\">value is observable:<span class=\"_ _35a\"> </span></div><div class=\"gs70b\"><table class=\"s wb6a h130\" id=\"_d2d93c11-b4a5-4309-9609-e6c89514078c\"><tr><td></td><td class=\"t m1 xe95 h21 y42e8 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa18 h21 y42e8 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x850 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 xa1a h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 x10e6 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x279 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x24c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42eb ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _10d\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42ec w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y42ed wb6b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">636.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e7 y42ed w1ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">638.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e8 y42ed wb1f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e9 y42ed wb6c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">4<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ea y42ed w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10eb y42ed wb6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">636.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y42ee ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ec y3fb2 wb18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ed y3fb2 wb18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ee y3fb2 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ef y3fb2 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f0 y3fb2 wb6e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">12<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f1 y3fb2 wb6f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w57 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f2 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f3 y4066 wb70 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls21 ws20\">16<span class=\"_ _3\"></span>,47<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f4 y4066 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f5 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f6 y4066 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f7 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10f8 y3fe6 wb71 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">962<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f9 y3fe6 wb72 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">1<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fa y3fe6 wb1f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fb y3fe6 w778 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">723<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fc y3fe6 wb73 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">13.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fd y3fe6 wb74 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">962.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42ef ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _a7\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fe y3f5f w84 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ff y3f5f wb75 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1039 y3f5f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1100 y3f5f w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1101 y3f5f w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1102 y3f5f w84 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td></tr></table></div><table class=\"s w441 h131\" id=\"_2b0b5be1-84c2-4fc1-aaae-6f4fdab5084a\"><tr><td></td><td class=\"t m1 x69a h21 y42f0 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa5a h21 y42f0 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe37 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1103 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 x1104 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 xad3 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x2c9 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x2cd h21 y42f2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y42f3 ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y42f5 w9c5 h103\"><div class=\"t m1 x247 hf y42f4 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1105 y42f5 wb32 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1106 y42f5 w6a6 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1107 y42f5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1108 y42f5 wb32 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1109 y42f5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110a y42f5 wb76 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422d w4b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y422d wb77 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110b y422d wb78 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>00.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1071 y422d wb35 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110c y422d w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110d y422d w631 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110e y422d wb79 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y42f6 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110f y3d51 wb37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1110 y3d51 w696 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls130 ws136\">16.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1111 y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1112 y3d51 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1113 y3d51 wb7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1114 y3d51 wb7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1115 y3fd3 w16 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1116 y3fd3 wb7b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">1<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1117 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1118 y3fd3 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1119 y3fd3 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111a y3fd3 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x111b y3d55 wb7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">851<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111c y3d55 wb7d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">1<span class=\"_ _3\"></span>7,<span class=\"_ _18\"> </span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111d y3d55 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111e y3d55 wb7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1a ws16\">5<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111f y3d55 wb7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">14.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1120 y3d55 wb80 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">8<span class=\"_ _3\"></span>51.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y42f7 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1121 y3d5a wb42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1122 y3d5a wb81 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">8<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1123 y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1124 y3d5a wb43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1125 y3d5a wb82 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td></tr></table>Le<span class=\"_ _0\"></span>vel 1:<span class=\"ff2\"> Fair values that ar<span class=\"_ _0\"></span>e based entirely on quote<span class=\"_ _0\"></span>d market prices (unadjus<span class=\"_ _0\"></span>ted) in an activ<span class=\"_ _0\"></span>ely </span>traded mark<span class=\"_ _0\"></span>et f<span class=\"_ _0\"></span>or identical assets and liabilities that the Group has the ability to access<span class=\"_ _0\"></span>. V<span class=\"_ _0\"></span>aluation adjustmen<span class=\"_ _0\"></span>ts and block discounts are not applied t<span class=\"_ _0\"></span>o Lev<span class=\"_ _0\"></span>el 1 instrument<span class=\"_ _0\"></span>s. Since valuations are based on r<span class=\"_ _0\"></span>eadily available observable mark<span class=\"_ _0\"></span>et prices, this mak<span class=\"_ _0\"></span>es them mos<span class=\"_ _0\"></span>t reliable<span class=\"_ _0\"></span>, reduces the need for management judgemen<span class=\"_ _0\"></span>t and estimation and also reduces the uncertainty associated with determining f<span class=\"_ _0\"></span>air values. Le<span class=\"_ _0\"></span>vel 2:<span class=\"ff2\"> Fair values that ar<span class=\"_ _0\"></span>e based on one or more quoted prices in mark<span class=\"_ _0\"></span>ets that ar<span class=\"_ _0\"></span>e not active </span>or for which all significant input<span class=\"_ _0\"></span>s are tak<span class=\"_ _0\"></span>en from directly or indir<span class=\"_ _0\"></span>ectly obser<span class=\"_ _3\"></span>vable mark<span class=\"_ _0\"></span>et data. These include valuation models used to c<span class=\"_ _0\"></span>alculate the present value o<span class=\"_ _0\"></span>f expected future c<span class=\"_ _0\"></span>ash flows and may be employe<span class=\"_ _0\"></span>d either when no active mark<span class=\"_ _0\"></span>et exis<span class=\"_ _0\"></span>ts or when there are no quot<span class=\"_ _0\"></span>ed prices available for similar ins<span class=\"_ _0\"></span>truments in activ<span class=\"_ _0\"></span>e market<span class=\"_ _0\"></span>s. Le<span class=\"_ _0\"></span>vel 3:<span class=\"ff2\"> Fair values f<span class=\"_ _0\"></span>or which any one or more significant input is not based on observable </span>mark<span class=\"_ _0\"></span>et data and the unobservable inputs have a significan<span class=\"_ _0\"></span>t effect on the instrument<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s fair value<span class=\"_ _0\"></span>. Valuation mo<span class=\"_ _0\"></span>dels that employ significant unobservable inputs require a higher de<span class=\"_ _0\"></span>gree of management judgement and es<span class=\"_ _0\"></span>timation in determining the fair value<span class=\"_ _0\"></span>. Management judgement and estimation ar<span class=\"_ _0\"></span>e usually required for the selection o<span class=\"_ _0\"></span>f the appropriate valuation model t<span class=\"_ _0\"></span>o be used, determination of e<span class=\"_ _0\"></span>xpected future cash flo<span class=\"_ _0\"></span>ws on the financial instrumen<span class=\"_ _0\"></span>ts being valued, determination of the pr<span class=\"_ _0\"></span>obability of counterparty default and prepaymen<span class=\"_ _0\"></span>ts, det<span class=\"_ _0\"></span>ermination of expected v<span class=\"_ _0\"></span>olatilities and correlations and the selection of appropriat<span class=\"_ _0\"></span>e discount rates<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f financial assets and financial liabilities not measured at fair value in the Consolidated S<span class=\"_ _0\"></span>tatement of Financial Position gr<span class=\"_ _0\"></span>ouped into L<span class=\"_ _0\"></span>evels 1 t<span class=\"_ _0\"></span>o 3 based on the degree to which the f<span class=\"_ _0\"></span>air value is observable:<span class=\"_ _35a\"> </span><table class=\"s wb83 h132\" id=\"_d4ca675f-3e3f-4acd-91ff-df26c6b060f0\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1126 h21 y42f8 ff1 fs5 fc5 sc0 ls0 ws0\">Estimated fair value<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 xe95 h21 y42f9 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa18 h21 y42f9 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x850 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 xa1a h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 x10e6 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x279 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x24c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42fc ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _10d\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42fd w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1127 y42fe wb84 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1128 y42fe w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y42fe w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112a y42fe wb84 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112b y42fe w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112c y42fe w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42ff w9c5 hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112d y4300 wb85 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112e y4300 wb86 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y4300 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112f y4300 wb14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1130 y4300 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1131 y4300 wb4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4301 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1132 y4302 wb87 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1133 y4302 wb88 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">79<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104d y4302 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1134 y4302 wb89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x365 y4302 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1135 y4302 wb89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4303 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4304 w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y4305 w9bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1136 y4305 wb8a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">25,<span class=\"_ _3\"></span>313.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1137 y4305 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1138 y4305 wb8b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _1\"></span>,18<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1139 y4305 wb8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22,6<span class=\"_ _3\"></span>60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113a y4305 wb8d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">24<span class=\"_ _0\"></span>,843.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4306 wb55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x10b9 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113b y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113c y4307 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113d y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113e y4307 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113f y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x1140 y4308 wb8e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1141 y4308 wb8f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">29<span class=\"_ _0\"></span>,508.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1142 y4308 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1143 y4308 wb90 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">6,386.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x2bd y4308 wb8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _3\"></span>,660.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1144 y4308 wa25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4309 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _a7\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y430a ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y430b wb91 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">depositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1145 y430c wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23,<span class=\"_ _3\"></span>820.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1146 y430c wb92 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1147 y430c w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1148 y430c wb93 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2a wsc\">8<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1149 y430c wb94 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">1<span class=\"_ _3\"></span>5,3<span class=\"_ _3\"></span>42<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114a y430c wb5a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">23,806.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y430d wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114b y430e w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114c y430e wb95 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,<span class=\"_ _0\"></span>913.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114d y430e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114e y430e w13b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114f y430e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1150 y430e w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42d9 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1151 y430f w7d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1152 y430f wb96 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1153 y430f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1091 y430f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1154 y430f wa89 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1155 y430f w7d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42cb w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1156 y42cc w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1157 y42cc wb97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1158 y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1159 y42cc wb98 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115a y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115b y42cc wb5c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cd wb5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115c y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115d y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115e y3fb3 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115f y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1160 y3fb3 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1161 y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1162 y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1163 y3fb4 wb99 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls23 ws22\">70<span class=\"_ _3\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1164 y3fb4 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1165 y3fb4 wb9a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1166 y3fb4 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1167 y3fb4 wb60 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1168 y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1169 y3fb5 wb9b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">250.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ee y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116a y3fb5 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116b y3fb5 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f0 y3fb5 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x116c y3f5f wb65 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116d y3f5f wb9c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">27<span class=\"_ _2\"></span>,451.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116e y3f5f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116f y3f5f wb9d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">12,5<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1170 y3f5f wb9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15,44<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1171 y3f5f wb9f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span><table class=\"s wba0 h133\" id=\"_31bc7c5f-43d7-42cb-bd01-f8968bc9df72\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1172 h21 y4310 ff1 fs5 fc5 sc0 ls0 ws0\">Estimated fair value<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y4311 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa5a h21 y4311 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1103 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 x1104 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 xad3 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x2c9 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x2cd h21 y4313 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4314 ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4315 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4315 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4315 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9f y4315 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1173 y4315 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1174 y4315 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1175 y4315 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4316 w9c5 h126\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4316 w5c1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>80<span class=\"_ _3\"></span>2.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1176 y4316 wba1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,78<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1177 y4316 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1178 y4316 wb33 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1179 y4316 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117a y4316 w5c1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>80<span class=\"_ _3\"></span>2.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4317 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117b y4317 w5c7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117c y4317 wba2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">323.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117d y4317 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117e y4317 wba3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls17 ws13\">325<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117f y4317 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1180 y4317 wba3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls17 ws13\">325.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4318 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4319 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1181 y4319 wba4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _3\"></span>51<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1182 y4319 wba5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,<span class=\"_ _0\"></span>928.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1183 y4319 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1184 y4319 wba6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,1<span class=\"_ _0\"></span>12.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1185 y4319 wa1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1186 y4319 wba7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y431a wb39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x106b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1187 y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1188 y431b wba8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1189 y431b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118a y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118b y431b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118c y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x118d y431c wb58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">28,891.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118e y431c wba9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">29<span class=\"_ _0\"></span>,05<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118f y431c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1190 y431c w83a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">5,<span class=\"_ _3\"></span>253.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1191 y431c wbaa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1192 y431c wbab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y431d ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y431e wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1193 y431e w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1194 y431e wba4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">21,7<span class=\"_ _0\"></span>66.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1195 y431e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1196 y431e wbac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">5,786.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1197 y431e wbad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsd4 ws24\">16,339<span class=\"_ _2\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1198 y431e wb5b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22,<span class=\"_ _0\"></span>125.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y431f wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y431f wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1199 y431f w94c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">3<span class=\"_ _3\"></span>,5<span class=\"_ _3\"></span>24.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119a y431f w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119b y431f wbae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119c y431f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119d y431f wb3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42c7 wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y42c7 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119e y42c7 wbaf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsef wsea\">61<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119f y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a0 y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a1 y42c7 wbb0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">6<span class=\"_ _3\"></span>3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a2 y42c7 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d9 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y42d9 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf55 y42d9 wbb1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1177 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a3 y42d9 wbb2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a4 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7bc y42d9 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4320 wb44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x108b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcf y3d51 w516 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a5 y3d51 w53b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a6 y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a7 y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a8 y3d51 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a9 y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y3fd3 w703 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11aa y3fd3 w4d2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ab y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ac y3fd3 wbb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ad y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ae y3fd3 wbb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11af y3fd5 wb48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b0 y3fd5 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>50.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b1 y3fd5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b2 y3fd5 wbb4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">24<span class=\"_ _3\"></span>6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b3 y3fd5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b4 y3fd5 wbb4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">246<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b5 y3d58 wb4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b6 y3d58 wbb5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b7 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b8 y3d58 wbb6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b9 y3d58 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ba y3d58 w8da hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x11bb y3d5a wbb7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"> </span>2<span class=\"_ _18\"> </span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bc y3d5a wbb8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">26<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bd y3d5a w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11be y3d5a wbb9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">10,788.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bf y3d5a w425 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">16,<span class=\"_ _0\"></span>402.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c0 y3d5a wbba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _18\"> </span>7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-483": {
   "value": "5. <span class=\"_ _11\"> </span>Fair value losses on financial instruments<span class=\"_ _35a\"> </span><table class=\"s w21b hd1\" id=\"_21364306-a2eb-48fe-a25c-9ca03bc35455\"><tr><td></td><td class=\"t m1 x45b h21 y3e62 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e62 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e63 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e63 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e65 w21c hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Fair value chan<span class=\"_ _3\"></span>ges in he<span class=\"_ _3\"></span>dged as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b8 y3e66 w21d hd2\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls1e ws1d\">31.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b9 y3e65 w21e hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e67 w21f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Hed<span class=\"_ _3\"></span>ging of asse<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ba y3e68 w220 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls101 ws6f\">(53.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bb y3e67 w221 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">(59<span class=\"_ _3\"></span>0.2)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e69 w222 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fair value chan<span class=\"_ _3\"></span>ges in he<span class=\"_ _3\"></span>dged liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bc y3e6a w223 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bd y3e69 w224 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(82.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e6b w225 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Hed<span class=\"_ _3\"></span>ging of liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4be y3e6c w226 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">(35<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4bf y3e6b w227 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">94.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e6d w228 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Ineffe<span class=\"_ _3\"></span>ctive po<span class=\"_ _3\"></span>rtio<span class=\"_ _3\"></span>n of hedge<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c0 y3e6e w229 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c1 y3e6d w22a hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e70 w22b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Net gain<span class=\"_ _3\"></span>s/<span class=\"_ _0\"></span>(los<span class=\"_ _3\"></span>ses) on unmatched s<span class=\"_ _3\"></span>waps</div><div class=\"t m1 x4c2 h20 y3e6f ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c3 y3e71 w22c hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls1e ws1d\">21.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c4 y3e72 w22d hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>11<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e73 w22e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of inception a<span class=\"_ _3\"></span>djustment<span class=\"_ _3\"></span>s</div><div class=\"t m1 x4c5 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3e74 w22f hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">(5.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c7 y3e75 w230 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">(<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e77 w231 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of acquisitio<span class=\"_ _3\"></span>n-related ince<span class=\"_ _3\"></span>ption adjustm<span class=\"_ _3\"></span>ents</div><div class=\"t m1 x4c8 h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c9 y3e78 w232 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ca y3e79 w233 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">6<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e7a w234 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on of de-de<span class=\"_ _3\"></span>signated he<span class=\"_ _3\"></span>dge rel<span class=\"_ _3\"></span>ationships</div><div class=\"t m1 x4cb h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cc y3e7b w235 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">(0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cd y3e7c w1c8 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e7d w236 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Fair value movem<span class=\"_ _3\"></span>ents on mo<span class=\"_ _3\"></span>rtgag<span class=\"_ _3\"></span>es at F<span class=\"_ _3\"></span>V<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ce y3e7e w237 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cf y3e7d w238 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3e7f ff2 fs6 fc4 sc0 ls0 ws0\">Fair value movem<span class=\"_ _3\"></span>ents on lo<span class=\"_ _3\"></span>ans and advan<span class=\"_ _3\"></span>ces to cre<span class=\"_ _3\"></span>dit </td><td></td><td></td></tr><tr><td class=\"c n x248 y3e51 w239 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">institutio<span class=\"_ _3\"></span>ns at FV<span class=\"_ _3\"></span>T<span class=\"_ _3\"></span>PL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e52 w1e2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d0 y3e51 w23a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w23b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Deb<span class=\"_ _3\"></span>it and credit valu<span class=\"_ _3\"></span>ation adjustm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d1 y3e4e w1ea hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d2 y3dfe w23c hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d3 y3e01 w23d hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls14 ws12\">(1.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d4 y3d5a w23e hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _1\"></span>4.4)<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Net g<span class=\"_ _3\"></span>ains<span class=\"_ _3\"></span>/<span class=\"_ _0\"></span>(l<span class=\"_ _3\"></span>oss<span class=\"_ _3\"></span>es) on unm<span class=\"_ _3\"></span>atch<span class=\"_ _3\"></span>ed sw<span class=\"_ _3\"></span>aps in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>e fair va<span class=\"_ _3\"></span>lue mov<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nts of \u00a35<span class=\"_ _3\"></span>.7m (<span class=\"_ _0\"></span>20<span class=\"_ _3\"></span>23: nil<span class=\"_ _3\"></span>) on swa<span class=\"_ _3\"></span>ps us<span class=\"_ _3\"></span>ed for t<span class=\"_ _3\"></span>he equ<span class=\"_ _3\"></span>ity str<span class=\"_ _3\"></span>uctur<span class=\"_ _3\"></span>al hed<span class=\"_ _3\"></span>ge (see n<span class=\"_ _3\"></span>ote 23 fo<span class=\"_ _3\"></span>r fur<span class=\"_ _3\"></span>the<span class=\"_ _3\"></span>r inform<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n)<span class=\"_ _0\"></span>. Th<span class=\"_ _3\"></span>e Grou<span class=\"_ _3\"></span>p exclud<span class=\"_ _3\"></span>ed a p<span class=\"_ _3\"></span>ort<span class=\"_ _3\"></span>ion of m<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tgage h<span class=\"_ _3\"></span>ed<span class=\"_ _3\"></span>ging sw<span class=\"_ _3\"></span>aps fr<span class=\"_ _3\"></span>om hedge ac<span class=\"_ _3\"></span>counting providing an offset<span class=\"_ _3\"></span>ting fair value movement of \u00a35.<span class=\"_ _0\"></span>1m (2023:<span class=\"_ _0\"></span> nil).<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>The amor<span class=\"_ _3\"></span>tisation of inception adjustm<span class=\"_ _3\"></span>ent relates to the amortisatio<span class=\"_ _3\"></span>n of t<span class=\"_ _0\"></span>he he<span class=\"_ _3\"></span>dging adjustments arisin<span class=\"_ _3\"></span>g when hedge accounting<span class=\"_ _0\"></span> commences, primarily<span class=\"_ _0\"></span> on derivative i<span class=\"_ _0\"></span>nstruments previously<span class=\"_ _0\"></span> taken<span class=\"_ _0\"></span> out against t<span class=\"_ _0\"></span>he mortgage pipeline and<span class=\"_ _0\"></span> on derivative i<span class=\"_ _0\"></span>nstruments previously<span class=\"_ _0\"></span> taken<span class=\"_ _0\"></span> out against ne<span class=\"_ _0\"></span>w retail<span class=\"_ _0\"></span> deposits.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Re<span class=\"_ _3\"></span>late<span class=\"_ _3\"></span>s to he<span class=\"_ _3\"></span>dge a<span class=\"_ _3\"></span>cco<span class=\"_ _3\"></span>unting a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts and l<span class=\"_ _3\"></span>iabil<span class=\"_ _3\"></span>itie<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed a<span class=\"_ _3\"></span>t acqu<span class=\"_ _3\"></span>isiti<span class=\"_ _3\"></span>on. Th<span class=\"_ _3\"></span>e inc<span class=\"_ _3\"></span>eptio<span class=\"_ _3\"></span>n adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nts ar<span class=\"_ _3\"></span>e being amor<span class=\"_ _3\"></span>tised over the life of the derivative ins<span class=\"_ _3\"></span>truments acquired at acquis<span class=\"_ _3\"></span>ition subseque<span class=\"_ _3\"></span>ntly designated in hedging<span class=\"_ gs378\"> </span>relatio<span class=\"_ _3\"></span>nships.<span class=\"_ _35a\"> </span>4. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>Rel<span class=\"_ _3\"></span>ates t<span class=\"_ _3\"></span>o the amo<span class=\"_ _3\"></span>rt<span class=\"_ _3\"></span>isat<span class=\"_ _3\"></span>ion of he<span class=\"_ _3\"></span>dg<span class=\"_ _3\"></span>ed ite<span class=\"_ _3\"></span>ms whe<span class=\"_ _3\"></span>re he<span class=\"_ _3\"></span>dge a<span class=\"_ _3\"></span>cco<span class=\"_ _3\"></span>unting h<span class=\"_ _3\"></span>as b<span class=\"_ _3\"></span>een di<span class=\"_ _3\"></span>sco<span class=\"_ _3\"></span>ntinu<span class=\"_ _3\"></span>ed.<span class=\"_ _35a\"> </span>10. <span class=\"_ _1\"></span>Share-based payments<span class=\"_ _35a\"> </span>The share-based e<span class=\"_ _0\"></span>xpense for the year includes a charge in respect o<span class=\"_ _0\"></span>f the Sharesave Scheme,<span class=\"_ gs2a\"> </span>DSBP and PSP<span class=\"_ _2\"></span>. All charges are included in employee e<span class=\"_ _0\"></span>xpenses within note 8 Administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses.<span class=\"_ _35a\"> </span>A summary of the share-based schemes oper<span class=\"_ _0\"></span>ated by the Group is set out belo<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span>. Sharesave Scheme<span class=\"_ _35a\"> </span>The Sharesav<span class=\"_ _0\"></span>e Scheme is a share option scheme which is available to all UK<span class=\"_ _0\"></span>-based employees. The Sharesav<span class=\"_ _0\"></span>e Scheme allows employees to purchase options by saving a fix<span class=\"_ _0\"></span>ed amount of between \u00a310 and \u00a3500 per month o<span class=\"_ _0\"></span>ver a period of thr<span class=\"_ _0\"></span>ee years at the end of which the options<span class=\"_ _0\"></span>, subject to leav<span class=\"_ _0\"></span>er provisions<span class=\"_ _0\"></span>, are usually exer<span class=\"_ _0\"></span>cisable. If not ex<span class=\"_ _0\"></span>ercised, the amount sav<span class=\"_ _0\"></span>ed is returned to the employee<span class=\"_ _0\"></span>. The Sharesave Scheme has been in oper<span class=\"_ _0\"></span>ation since 2014 and an invitation t<span class=\"_ _0\"></span>o join the scheme is usually extended annually, with the option price calculated using the mid-mark<span class=\"_ _0\"></span>et price of an OSBG or<span class=\"_ _0\"></span>dinary share ov<span class=\"_ _0\"></span>er the three dealing days prior to the<span class=\"_ gs2a\"> </span>Invitation Dat<span class=\"_ _0\"></span>e and applying a discount of 20%.<span class=\"_ _35a\"> </span>Def<span class=\"_ _3\"></span>erred S<span class=\"_ _3\"></span>hare Bo<span class=\"_ _3\"></span>nus Plan DSBP aw<span class=\"_ _0\"></span>ards are gr<span class=\"_ _0\"></span>anted to E<span class=\"_ _0\"></span>xecutive Direct<span class=\"_ _0\"></span>ors and certain senior managers to allo<span class=\"_ _0\"></span>w a portion of their performance bonuses to be deferr<span class=\"_ _0\"></span>ed in shares for up to three t<span class=\"_ _0\"></span>o seven year<span class=\"_ _0\"></span>s for Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s and typically one year for senior managers<span class=\"_ _0\"></span>. There are no further performance or ves<span class=\"_ _0\"></span>ting conditions attached to deferr<span class=\"_ _0\"></span>ed awar<span class=\"_ _0\"></span>ds for senior managers<span class=\"_ _0\"></span>, which also applies to Executiv<span class=\"_ _0\"></span>e Director<span class=\"_ _0\"></span>s for awar<span class=\"_ _0\"></span>ds grant<span class=\"_ _0\"></span>ed from April 2021. The share a<span class=\"_ _0\"></span>wards are subject to cla<span class=\"_ _0\"></span>wback provisions<span class=\"_ _0\"></span>. The DSBP awar<span class=\"_ _0\"></span>ds are expensed in the ye<span class=\"_ _0\"></span>ar ser<span class=\"_ _3\"></span>vices are receive<span class=\"_ _0\"></span>d with a corresponding increase in equity. Aw<span class=\"_ _0\"></span>ards gr<span class=\"_ _0\"></span>anted to Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s in<span class=\"_ gs2a\"> </span>March 202<span class=\"_ _0\"></span>0 and prior<span class=\"_ _0\"></span>, are subject to v<span class=\"_ _0\"></span>esting conditions and are e<span class=\"_ _0\"></span>xpensed over the ves<span class=\"_ _0\"></span>ting<span class=\"_ gs2a\"> </span>period. DSBP aw<span class=\"_ _0\"></span>ards for senior manager<span class=\"_ _0\"></span>s carry entitlements t<span class=\"_ _0\"></span>o dividend equivalents<span class=\"_ _0\"></span>, which are paid when the aw<span class=\"_ _0\"></span>ards ves<span class=\"_ _0\"></span>t. DSBP aw<span class=\"_ _0\"></span>ards gran<span class=\"_ _0\"></span>ted from April 2021 t<span class=\"_ _0\"></span>o Executive Dir<span class=\"_ _0\"></span>ectors are en<span class=\"_ _0\"></span>titled to dividend equivalen<span class=\"_ _0\"></span>ts. A<span class=\"_ _0\"></span>wards gr<span class=\"_ _0\"></span>anted in prior year<span class=\"_ _0\"></span>s were not en<span class=\"_ _0\"></span>titled to dividend equivalen<span class=\"_ _0\"></span>ts. Per<span class=\"_ _3\"></span>formance S<span class=\"_ _3\"></span>hare Plan PSP aw<span class=\"_ _0\"></span>ards are typically made annually at the discr<span class=\"_ _0\"></span>etion of the Group Remuner<span class=\"_ _0\"></span>ation and People Committee with Executiv<span class=\"_ _0\"></span>e Directors and certain senior manager<span class=\"_ _0\"></span>s being eligible for aw<span class=\"_ _0\"></span>ards. The v<span class=\"_ _0\"></span>esting of PSP a<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>ds is determined based on a mixture of in<span class=\"_ _0\"></span>ternal financial performance target<span class=\"_ _0\"></span>s, risk<span class=\"_ _0\"></span>-based measures<span class=\"_ _0\"></span>, and relative t<span class=\"_ _0\"></span>otal shareholder returns (TSR). During the year<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup introduced ne<span class=\"_ _0\"></span>w ESG tar<span class=\"_ _0\"></span>gets as conditions to the PSP aw<span class=\"_ _0\"></span>ards<span class=\"_ _0\"></span>. Following changes to the Good L<span class=\"_ _0\"></span>eaver definition enacte<span class=\"_ _0\"></span>d in 2024<span class=\"_ _0\"></span>, the Group now r<span class=\"_ _0\"></span>ecognises the expense related t<span class=\"_ _0\"></span>o the PSP scheme over thr<span class=\"_ _0\"></span>ee years (pre<span class=\"_ _0\"></span>viously three to sev<span class=\"_ _0\"></span>en years). The Group took a charge o<span class=\"_ _0\"></span>f \u00a30.<span class=\"_ _2\"></span>9m in 2024 r<span class=\"_ _0\"></span>elated to this change.<span class=\"_ _35a\"> </span> The performance conditions that apply to PSP aw<span class=\"_ _0\"></span>ards are based on a combination o<span class=\"_ _0\"></span>f weigh<span class=\"_ _0\"></span>tings as follows: <table class=\"s w281 hdb\" id=\"_1b07d04e-ae56-4f1a-b059-c4a515a45df1\"><tr><td></td><td class=\"c n x50f y3ea3 w282 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x510 y3ea3 w283 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">202<span class=\"_ _0\"></span>0\u20132023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x511 y3ea3 w284 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Prior to 2020<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ea4 w285 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lseb ws27\">EPS %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x512 y3ea5 w286 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls101 ws6f\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x513 y3ea4 w287 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x514 y3ea4 w288 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls9e ws9b\">40<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ea6 w289 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">TSR %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x515 y3ea7 w28a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x516 y3ea6 w287 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x517 y3ea6 w28b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls9e ws9b\">40<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ea9 w28c hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls65 ws21\">Risk<span class=\"_ _2\"></span>-base<span class=\"_ _3\"></span>d %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x518 y3eaa w28d hc3\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x519 y3ea9 w28e hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51a y3ea9 w1c8 hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w28f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Return on equi<span class=\"_ _3\"></span>ty (ROE<span class=\"_ _3\"></span>) %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51b y3e90 w28d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51c y3e53 w28e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51d y3e53 w290 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls59 wsde\">20<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w291 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls22 wse7\">ESG<span class=\"_ _3\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51e y3e55 w292 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls13 ws11\">10<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51f y3d5a w1c8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x520 y3d5a w293 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table>The PSP conditions are assessed independently. The EPS elemen<span class=\"_ _0\"></span>t assesses the EPS growth r<span class=\"_ _0\"></span>ate ov<span class=\"_ _0\"></span>er the performance period. For the TSR elemen<span class=\"_ _0\"></span>t, the performance of the Company\u2019<span class=\"_ _0\"></span>s or<span class=\"_ _0\"></span>dinary shares is measure<span class=\"_ _0\"></span>d against the constituen<span class=\"_ _0\"></span>ts of the FTSE 2<span class=\"_ _0\"></span>50 (ex<span class=\"_ _0\"></span>cluding inves<span class=\"_ _0\"></span>tment trust<span class=\"_ _0\"></span>s). The risk<span class=\"_ _0\"></span>-based measure is assessed agains<span class=\"_ _0\"></span>t the risk management performance with regar<span class=\"_ _0\"></span>d to all relev<span class=\"_ _0\"></span>ant risk<span class=\"_ _0\"></span>s. For the ROE element, performance is assessed base<span class=\"_ _0\"></span>d on the Group\u2019<span class=\"_ _2\"></span>s underlying profit after tax<span class=\"_ _0\"></span>ation as a percentage of av<span class=\"_ _0\"></span>erage shareholder<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 equity.<span class=\"_ _35a\"> </span>The share-based payment e<span class=\"_ _0\"></span>xpense during the year comprised the follo<span class=\"_ _0\"></span>wing: <table class=\"s w1f8 hda\" id=\"_d03ba98a-ef7a-4326-b265-286fdc563e72\"><tr><td></td><td class=\"t m1 x47d h21 y3ea0 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3ea0 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3ea1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3ea1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e9e w279 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Shares<span class=\"_ _3\"></span>ave Sch<span class=\"_ _3\"></span>eme<span class=\"_ _35a\"> </span></div></td><td class=\"c n x507 y3e96 w27a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x508 y3e9e w27b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e51 w27c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Defe<span class=\"_ _3\"></span>rred Share B<span class=\"_ _3\"></span>onus Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x509 y3e52 w27d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">2.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50a y3e51 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w27e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Per<span class=\"_ _3\"></span>formanc<span class=\"_ _3\"></span>e Share Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50b y3e90 w27f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50c y3dfe w280 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x50d y3e28 w20e hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50e y3d5a w1cb hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ements in the number of share a<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>ds and their weighted av<span class=\"_ _0\"></span>erage e<span class=\"_ _0\"></span>xercise prices are set out below:<span class=\"_ _35a\"> </span><table class=\"s w294 hdc\" id=\"_c7733a48-5c14-4e17-b9bf-15eb4c515513\"><tr><td></td><td></td><td class=\"c n x521 y3eab w295 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Sharesave Scheme<span class=\"_ _35a\"> </span></div></td><td class=\"c n x522 y3eab w296 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">D<span class=\"_ _3\"></span>eferred Share Bonus Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x523 y3eab w297 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Performance Share Plan<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x524 h21 y3eac ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3ead ff1 fs5 fc5 sc0 ls0 ws0\">average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3eae ff1 fs5 fc5 sc0 ls0 ws0\">exer<span class=\"_ _0\"></span>cise </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x526 h21 y3eaf ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _84\"> </span>Numb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></td><td class=\"c n x527 y3eb0 w202 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x528 y3eb0 w298 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td><td class=\"c n x529 y3eb0 w298 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb1 w299 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52a y3eb2 w29a hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsca wsc6\">2,801,587<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52b y3eb2 w29b hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52c y3eb2 w29c hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 ls33 ws31\">895,162<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52d y3eb2 w29d hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsd5 wsd2\">6<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb3 w29e hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">Grante<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52e y3eb4 w29f hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls48 ws48\">8<span class=\"_ _3\"></span>98,516<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52f y3eb4 w2a0 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x530 y3eb4 w2a1 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsd5 wsd2\">5<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x531 y3eb4 w2a2 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsd2 wsd1\">3,501,<span class=\"_ _3\"></span>310<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb5 w2a3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls69 ws1e\">Exercised/<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>es<span class=\"_ _3\"></span>ted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x532 y3e8c w2a4 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc5 wsc3\">(30<span class=\"_ _3\"></span>3,<span class=\"_ _3\"></span>627<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x533 y3e8c w2a5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls21 ws20\">2<span class=\"_ _3\"></span>.47<span class=\"_ _35a\"> </span></div></td><td class=\"c n x534 y3e8c w2a6 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lse wsf4\">(531,669)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x535 y3e8c w2a7 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls72 wsa\">(<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>72<span class=\"_ _3\"></span>,5<span class=\"_ _3\"></span>68<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb6 w2a8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsd4 ws24\">For<span class=\"_ _3\"></span>feited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x536 y3df8 w2a9 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls29 wsca\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>60<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>747<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x537 y3df8 w2aa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls119 ws1a\">3<span class=\"_ _3\"></span>.29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x538 y3df8 w2ab hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls2a wsc\">(6<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>37<span class=\"_ _3\"></span>9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x539 y3df8 w2ac hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsf2 wsee\">(9<span class=\"_ _3\"></span>11,5<span class=\"_ _3\"></span>80)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfb w2ad hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls23 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53a y3dfb w2ae hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsfa wsf8\">2<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>935,729<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53b y3dfb w29b hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53c y3dfb w2af hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 ls48 ws48\">9<span class=\"_ _3\"></span>44,795<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53d y3dfb w2b0 hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lse wsf4\">8,564,<span class=\"_ _0\"></span>430<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3eb7 ff2 fs6 fc4 sc0 ls0 ws0\">Exercisab<span class=\"_ _3\"></span>le at:<span class=\"_ _e0\"> </span><span class=\"ff1 fs0\"> <span class=\"_ _4e\"> </span><span class=\"fs6\"> <span class=\"_ _b9\"> </span> <span class=\"_ _fc\"> </span></span> <span class=\"_ _10f\"> </span><span class=\"fs6\"> <span class=\"_ _fc\"> </span></span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w2b1 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls119 ws1a\">31 De<span class=\"_ _3\"></span>cem<span class=\"_ _3\"></span>ber 2<span class=\"_ _3\"></span>024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53e y3d5a w2b2 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsd3 ws2\">81,035<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53f y3d5a w2b3 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _1\"></span>.90<span class=\"_ _35a\"> </span></div></td><td class=\"c n x540 y3d5a w2b4 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x541 y3d5a w2b5 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table><table class=\"s w2b6 hdd\" id=\"_38a76698-83f7-4f7b-8727-3b57d11a2ccc\"><tr><td></td><td></td><td class=\"c n x542 y3eb8 w2b7 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Sharesave Scheme<span class=\"_ _35a\"> </span></div></td><td class=\"c n x543 y3eb8 w2b8 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Deferred Share Bonus Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x544 y3eb8 w2b9 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Per<span class=\"_ _3\"></span>formance Share Plan<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x524 h21 y3eb9 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3eba ff1 fs5 fc5 sc0 ls0 ws0\">average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3ebb ff1 fs5 fc5 sc0 ls0 ws0\">exer<span class=\"_ _0\"></span>cise </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x545 h21 y3ebc ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></td><td class=\"c n x527 y3ebd w202 hde\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x528 y3ebd w298 hde\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td><td class=\"c n x529 y3ebd w298 hde\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb2 w2ba hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x546 y3ebe w2bb hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscb wsc9\">2,<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>47<span class=\"_ _0\"></span>,97<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x547 y3eb2 w2bc hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.08<span class=\"_ _35a\"> </span></div></td><td class=\"c n x548 y3ebe w2bd hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls149 ws152\">7<span class=\"_ _0\"></span>63,390<span class=\"_ _35a\"> </span></div></td><td class=\"c n x549 y3ebe w2be hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls1f ws61\">5,<span class=\"_ _3\"></span>39<span class=\"_ _3\"></span>1,26<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ebf w29e hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls68 ws14\">Grante<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54a y3ec0 w2bf hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfb wsfa\">1,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>51,51<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54b y3ebf w223 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls15 ws18\">2.72<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54c y3ec0 w2c0 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">652,2<span class=\"_ _3\"></span>27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54d y3ec0 w2c1 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">2,<span class=\"_ _3\"></span>38<span class=\"_ _3\"></span>1,50<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e8c w2a3 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls69 ws1e\">Exercised/<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>es<span class=\"_ _3\"></span>ted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54e y3ec2 w2c2 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfd wsfd\">(<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54f y3e8c w2c3 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>31<span class=\"_ _35a\"> </span></div></td><td class=\"c n x550 y3ec2 w2c4 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd6 wsd3\">(<span class=\"_ _3\"></span>51<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>52<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x551 y3ec2 w2c5 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls149 ws152\">(568,782)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3df8 w2a8 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsd4 ws24\">For<span class=\"_ _3\"></span>feited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x552 y3df6 w2c6 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls149 ws152\">(468,<span class=\"_ _3\"></span>27<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x553 y3df8 w2c7 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>.9<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x554 y3df6 w2c8 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscb wsc9\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x555 y3df6 w2c9 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfb wsfa\">(<span class=\"_ _3\"></span>45<span class=\"_ _3\"></span>6,<span class=\"_ _3\"></span>719)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfb w2ca hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x556 y3ec3 w2cb hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 ls33 ws31\">2,8<span class=\"_ _3\"></span>01,5<span class=\"_ _3\"></span>87<span class=\"_ _35a\"> </span></div></td><td class=\"c n x557 y3dfb w2cc hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>.9<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x558 y3ec3 w2cd hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 lsd6 wsd3\">8<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,16<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x559 y3ec3 w2ce hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 lsda wsd6\">6<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7,<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3ec4 ff2 fs6 fc4 sc0 ls0 ws0\">Exercisab<span class=\"_ _3\"></span>le at:<span class=\"_ _e0\"> </span><span class=\"fs0\"> <span class=\"_ _cc\"> </span></span> <span class=\"_ _b9\"> </span> <span class=\"_ _fc\"> </span><span class=\"fs0\"> <span class=\"_ _10f\"> </span></span> <span class=\"_ _1d1\"> </span><span class=\"fs0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w2cf hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55a y3e01 w2d0 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>676<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55b y3d5a w2d1 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">2.31<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55c y3e01 w2d2 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55d y3e01 w2d3 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table>For the share-based aw<span class=\"_ _0\"></span>ards gr<span class=\"_ _0\"></span>anted during the year<span class=\"_ _2\"></span>, the weighted av<span class=\"_ _0\"></span>erage gr<span class=\"_ _0\"></span>ant date fair value w<span class=\"_ _0\"></span>as 272 pence (2<span class=\"_ _0\"></span>023: 275 pence). The range o<span class=\"_ _0\"></span>f exercise prices and w<span class=\"_ _0\"></span>eighted av<span class=\"_ _0\"></span>erage remaining contr<span class=\"_ _0\"></span>actual life of outs<span class=\"_ _0\"></span>tanding aw<span class=\"_ _0\"></span>ards are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span><table class=\"s w314 he1\" id=\"_307873cf-bce4-425a-9963-a3c502705035\"><tr><td></td><td class=\"c n x59d y3ecf w282 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x59e y3ecf w265 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x59f h21 y3ed0 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td class=\"t m1 x5a0 h21 y3ed0 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td></td><td class=\"t m1 x5a1 h21 y3ed1 ff1 fs5 fc5 sc0 ls0 ws0\">average </td><td></td><td class=\"t m1 x5a2 h21 y3ed1 ff1 fs5 fc5 sc0 ls0 ws0\">average </td></tr><tr><td></td><td></td><td class=\"t m1 x5a3 h21 y3ed2 ff1 fs5 fc5 sc0 ls0 ws0\">remaining </td><td></td><td class=\"t m1 x5a4 h21 y3ed2 ff1 fs5 fc5 sc0 ls0 ws0\">remaining </td></tr><tr><td></td><td></td><td class=\"t m1 x5a5 h21 y3ed3 ff1 fs5 fc5 sc0 ls0 ws0\">contractual life </td><td></td><td class=\"t m1 x5a6 h21 y3ed3 ff1 fs5 fc5 sc0 ls0 ws0\">contractual life </td></tr><tr><td class=\"t m1 x481 h21 y3ed4 ff1 fs5 fc5 sc0 ls0 ws0\">Exercise price<span class=\"_ _35a\"> </span></td><td class=\"t m1 x5a7 h21 y3ed4 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></td><td class=\"c n x5a8 y3ed5 w315 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">(years)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5a9 y3ed5 w316 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Numb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x5aa h21 y3ed4 ff1 fs5 fc5 sc0 ls0 ws0\">(years)<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3ed6 ff1 fs6 fc4 sc0 lsc4 ws26\">Sharesave Scheme<span class=\"_ _da\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3ed7 ff2 fs6 fc4 sc0 ls0 ws0\">229\u2013429 penc<span class=\"_ _3\"></span>e  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3ed8 w317 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">(2023: 229\u20134<span class=\"_ _0\"></span>29 p<span class=\"_ _3\"></span>ence)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ab y3ed9 w318 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls119 ws1a\">2,935,7<span class=\"_ _0\"></span>29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ac y3ed9 w319 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ad y3ed8 w31a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls24 ws132\">2<span class=\"_ _3\"></span>,8<span class=\"_ _3\"></span>01,5<span class=\"_ _3\"></span>87<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ae y3ed8 w31b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3eda ff1 fs6 fc4 sc0 ls121 wsb9\">Deferred Share Bon<span class=\"_ _0\"></span>us Plan<span class=\"_ _27e\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e9e w31c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Nil<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5af y3e96 w31d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls24 ws132\">9<span class=\"_ _3\"></span>44,795<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b0 y3e96 w31e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b1 y3e9e w31f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls131 ws137\">8<span class=\"_ _1\"></span>95<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>62<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b2 y3e9e w320 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3edb ff1 fs6 fc4 sc0 lsc4 ws26\">Performance Share Plan<span class=\"_ _1cb\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e53 w31c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Nil<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b3 y3e4e w321 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">8,564,<span class=\"_ _0\"></span>430<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b4 y3e4e w322 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">2.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b5 y3e53 w323 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsee wse9\">6<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b6 y3e53 w324 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b7 y3e55 w325 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1e ws1d\">12,444,<span class=\"_ _0\"></span>954<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b8 y3e55 w232 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b9 y3d5a w326 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">10,<span class=\"_ _0\"></span>444,<span class=\"_ _0\"></span>017<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ba y3d5a w327 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr></table>Sharesave Scheme<span class=\"_ _35a\"> </span><table class=\"s w2d4 hdf\" id=\"_cacf8c76-70f6-4d8d-9054-6dd334b57957\"><tr><td></td><td class=\"c n x55e y3ec5 w282 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55f y3ec5 w2d5 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x560 y3ec5 w2d6 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2022<span class=\"_ _35a\"> </span></div></td><td class=\"c n x561 y3ec5 w2d7 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2021<span class=\"_ _35a\"> </span></div></td><td class=\"c n x562 y3ec5 w2d8 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2020<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x563 y3ec5 w2d9 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2019<span class=\"_ _35a\"> </span></div></td><td class=\"c n x564 y3ec5 w2da hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2018<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3ec6 ff2 fs6 fc4 sc0 ls0 ws0\">Contractu<span class=\"_ _3\"></span>al life, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3ec7 w2db hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">year<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x565 y3ec8 w2dc hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x566 y3ec7 w2dd hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x567 y3ec7 w2de hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x568 y3ec7 w2dd hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x569 y3ec7 w2dd hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56a y3ec7 w2df hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56b y3ec7 w2df hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56c y3ec7 w2e0 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e79 w2e1 he0\"><div class=\"t m1 x247 hf y3e85 ff2 fs6 fc4 sc0 ls0 ws0\">Share pri<span class=\"_ _3\"></span>ce at<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls17 ws13\">is<span class=\"_ _3\"></span>sue, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56d y3ec9 w196 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls23 ws22\">3<span class=\"_ _3\"></span>.70<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56e y3e79 w2e2 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.4<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56f y3e79 w2e3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.36<span class=\"_ _35a\"> </span></div></td><td class=\"c n x570 y3e79 w2e4 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">5<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x571 y3e79 w2e5 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls61 ws5d\">2.86<span class=\"_ _35a\"> </span></div></td><td class=\"c n x572 y3e79 w2e6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls61 ws5d\">2.86<span class=\"_ _35a\"> </span></div></td><td class=\"c n x573 y3e79 w2e7 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls101 ws6f\">3.32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x574 y3e79 w2e8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">4<span class=\"_ _3\"></span>.19<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e7c w2e9 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls69 ws1e\">Exercise price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x575 y3eca w2ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _1\"></span>.96<span class=\"_ _35a\"> </span></div></td><td class=\"c n x576 y3e7c w223 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls15 ws18\">2.72<span class=\"_ _35a\"> </span></div></td><td class=\"c n x577 y3e7c w2eb hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x578 y3e7c w2ec hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x579 y3e7c w2ed hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57a y3e7c w2ee hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls32 ws30\">2.2<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57b y3e7c w2ef hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls32 ws30\">2.6<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57c y3e7c w2f0 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ecb w2f1 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>cted vol<span class=\"_ _3\"></span>atility, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57d y3e7e w184 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">5<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57e y3ecb w2f2 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls13 ws11\">46.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57f y3ecb w2f3 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x580 y3ecb w2f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x581 y3ecb w2f5 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x582 y3ecb w2f6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x583 y3ecb w2f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>1.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x584 y3ecb w2f8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls130 ws136\">16.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e4b w2f9 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Risk<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>fre<span class=\"_ _3\"></span>e rate, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x585 y3e4c w2fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">3<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x586 y3e4b w2fb hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x587 y3e4b w2fc hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x588 y3e4b w2fd hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x589 y3e4b w2fe hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58a y3e4b w2ff hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58b y3e4b w300 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58c y3e4b w301 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ecc w302 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsc4 ws26\">Dividend yield,<span class=\"_ _0\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58d y3ecd w303 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58e y3ecc w304 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsec wse6\">9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58f y3ecc w305 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _18\"> </span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x590 y3ecc w306 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse8 wse3\">4.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x591 y3ecc w307 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x592 y3ecc w308 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x593 y3ecc w309 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse8 wse3\">4.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x594 y3ecc w30a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3ece ff2 fs6 fc4 sc0 ls0 ws0\">Grant date  </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w30b hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">fair value, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x595 y3e01 w30c hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.<span class=\"_ _3\"></span>28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x596 y3d5a w30d hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>85<span class=\"_ _35a\"> </span></div></td><td class=\"c n x597 y3d5a w30e hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.6<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x598 y3d5a w30f hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x599 y3d5a w310 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">1.2<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x59a y3d5a w311 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls101 ws6f\">1.34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x59b y3d5a w312 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x59c y3d5a w313 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr></table>The Sharesav<span class=\"_ _0\"></span>e Schemes are not entitled to dividends betw<span class=\"_ _0\"></span>een the option and exer<span class=\"_ _0\"></span>cise date.  A Black Scholes model is used to determine the gr<span class=\"_ _0\"></span>ant date fair v<span class=\"_ _0\"></span>alue with two inputs:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Expected volatility - fr<span class=\"_ _0\"></span>om 2019<span class=\"_ _2\"></span>, the expected v<span class=\"_ _0\"></span>olatility is based on the Company\u2019<span class=\"_ _0\"></span>s share price. Prior to this the Gr<span class=\"_ _0\"></span>oup used the FTSE 350 diver<span class=\"_ _0\"></span>sified financials volatility as insufficient hist<span class=\"_ _0\"></span>ory was available for the Company<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s share price.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Risk-<span class=\"_ _0\"></span>free rat<span class=\"_ _0\"></span>e \u2013 based on long-term Gov<span class=\"_ _0\"></span>ernment bonds.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Dividend yield \u2013 based on the aver<span class=\"_ _0\"></span>age dividend yield across external analys<span class=\"_ _0\"></span>t reports for the quarter prior to scheme gran<span class=\"_ _0\"></span>t date.<span class=\"_ _35a\"> </span>Deferred Share Bonus Plan<table class=\"s w328 he2\" id=\"_9c5f202c-0d3e-4613-a037-634e20725bd1\"><tr><td></td><td class=\"t m1 x5bb h21 y3edc ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _54\"> </span><span class=\"lsa5 wsa2\"> 20<span class=\"_ _3\"></span>20<span class=\"_ _35a\"> </span></span></td></tr><tr><td class=\"c n x248 y3e9e w329 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Contractu<span class=\"_ _3\"></span>al life, years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bc y3e9e w2de hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e51 w32a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Mid-market share price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bd y3e51 w32b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls32 ws30\">2.58<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w32c hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 lsc4 ws26\">Dividend yield,<span class=\"_ _0\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5be y3dfe w1cb hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w32d hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Grant date fair value, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bf y3d5a w32e hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls32 ws30\">2.2<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr></table>For aw<span class=\"_ _0\"></span>ards gran<span class=\"_ _0\"></span>ted from 2021, ther<span class=\"_ _0\"></span>e are no further per<span class=\"_ _3\"></span>formance or v<span class=\"_ _0\"></span>esting conditions attached to de<span class=\"_ _0\"></span>ferred aw<span class=\"_ _0\"></span>ards<span class=\"_ _0\"></span>, for further details see DSBP abov<span class=\"_ _0\"></span>e.<span class=\"_ _35a\"> </span>For DSBP aw<span class=\"_ _0\"></span>ards where conditions e<span class=\"_ _0\"></span>xist, these schemes carry no right<span class=\"_ _0\"></span>s to dividend equivalents and a Black Scholes model is used to determine the gr<span class=\"_ _0\"></span>ant date fair v<span class=\"_ _0\"></span>alue with a dividend yield input applied \u2013 based on the aver<span class=\"_ _0\"></span>age dividend yield across ext<span class=\"_ _0\"></span>ernal analyst reports for the quarter prior to scheme gran<span class=\"_ _0\"></span>t date. Per<span class=\"_ _3\"></span>formance S<span class=\"_ _3\"></span>hare Plan<span class=\"_ _35a\"> </span>Non-mark<span class=\"_ _0\"></span>et performance conditions also exis<span class=\"_ _0\"></span>t for the scheme, notably that a participant is employed by the Company ov<span class=\"_ _0\"></span>er the performance period with good leaver ex<span class=\"_ _0\"></span>ceptions, and an attrition rate is applie<span class=\"_ _0\"></span>d as an estimate of the actual number o<span class=\"_ _0\"></span>f awar<span class=\"_ _0\"></span>ds that will meet the related conditions at the v<span class=\"_ _0\"></span>esting date<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The aw<span class=\"_ _0\"></span>ards are not entitle<span class=\"_ _0\"></span>d to a dividend equivalent betw<span class=\"_ _0\"></span>een grant dat<span class=\"_ _0\"></span>e and vesting and a Black Scholes model is used to determine the gr<span class=\"_ _0\"></span>ant date fair v<span class=\"_ _0\"></span>alue with a dividend yield input applied \u2013 based on the aver<span class=\"_ _0\"></span>age dividend yield across ext<span class=\"_ _0\"></span>ernal analyst reports for the quarter prior to the scheme gran<span class=\"_ _0\"></span>t date. The fair value o<span class=\"_ _0\"></span>f the por<span class=\"_ _3\"></span>tion of aw<span class=\"_ _0\"></span>ards that is subject to mark<span class=\"_ _0\"></span>et conditions (i.<span class=\"_ _0\"></span>e. the relativ<span class=\"_ _0\"></span>e TSR element of the PSP<span class=\"_ _0\"></span>) is determined at the grant dat<span class=\"_ _0\"></span>e using a Monte Carlo model.<span class=\"_ _35a\"> </span>The inputs into the mo<span class=\"_ _0\"></span>dels are as follow<span class=\"_ _0\"></span>s:<span class=\"_ _35a\"> </span><table class=\"s w32f he3\" id=\"_a0f0ab1a-f2a0-4f0d-82e2-eba9757e80b6\"><tr><td></td><td class=\"c n x5c0 y3edd w2d6 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c1 y3edd w265 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c2 y3edd w2d6 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2022<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c3 y3edd w2d7 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2021<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c4 y3edd w330 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">2020<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ede w331 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Contractu<span class=\"_ _3\"></span>al life, years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c5 y3ebe w332 hc2\"><div class=\"t m1 x247 hf y3edf ff1 fs0 fc4 sc0 ls70 ws6c\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c6 y3ebe w333 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c7 y3ebe w334 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _1\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c8 y3ebe w335 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c9 y3ebe w333 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb4 w32a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Mid-market share price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ca y3ee0 w336 hc2\"><div class=\"t m1 x247 hf y3edf ff1 fs0 fc4 sc0 ls0 ws0\">3.86<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cb y3ee0 w337 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 ls0 ws0\">5.01<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cc y3ee0 w338 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd2 wsd1\">5.58<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cd y3ee0 w339 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ce y3ee0 w33a hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd8 ws5c\">2.58<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ee1 w33b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Attrition ra<span class=\"_ _3\"></span>te, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cf y3e8b w33c hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d0 y3e8b w33d hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d1 y3e8b w290 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscd wscc\">6.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d2 y3e8b w33e hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">12.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d3 y3e8b w33f hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ee2 w2f1 hd5\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>cted vol<span class=\"_ _3\"></span>atility, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d4 y3ee4 w340 he4\"><div class=\"t m1 x247 hf y3ee3 ff1 fs0 fc4 sc0 lsc3 wsc1\">4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d5 y3ee4 w341 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d6 y3ee4 w342 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d7 y3ee4 w343 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls4 wsc8\">5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d8 y3ee4 w344 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w302 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">Dividend yield,<span class=\"_ _0\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d9 y3ee5 w345 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5da y3ee5 w346 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsce ws70\">8<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5db y3ee5 w347 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls28 ws43\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5dc y3ee5 w348 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5dd y3ee5 w349 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfa wsf8\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w34a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Vesting rate \u2013 TSR %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5de y3e90 w34b hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsd3 ws2\">33.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5df y3e90 w34c hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">62.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e0 y3e90 w34d hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">32.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e1 y3e90 w34e hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">40.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e2 y3e90 w34f hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w350 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Grant date fair value, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e3 y3e55 w351 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsc8 ws29\">2.5<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e4 y3e55 w352 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">3.08<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e5 y3e55 w353 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls28 ws43\">4.<span class=\"_ _3\"></span>64<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e6 y3e55 w354 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls28 ws43\">4.<span class=\"_ _3\"></span>26<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e7 y3e55 w355 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">2.06<span class=\"_ _35a\"> </span></div></td></tr></table>ii. <span class=\"_ _c\"> </span>Fair valu<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables summarise the carrying value and estimat<span class=\"_ _0\"></span>ed fair value of financial instrumen<span class=\"_ _0\"></span>ts not measured at fair v<span class=\"_ _0\"></span>alue in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position: <table class=\"s wb4e h12f\" id=\"_dd858a12-ebd3-48b2-a370-b66f4d2a642c\"><tr><td></td><td class=\"c n x10a1 y42da w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x10a2 y42da w4df hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x10a3 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x10a4 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Estimated </td><td></td><td class=\"t m1 x10a5 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x10a6 h21 y42db ff1 fs5 fc5 sc0 ls0 ws0\">Estimated </td></tr><tr><td></td><td class=\"t m1 x10a7 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">fair value<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xe99 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x10a8 h21 y42dc ff1 fs5 fc5 sc0 ls0 ws0\">fair value<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x853 h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb61 h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42dd ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42de ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _122\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _10f\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4093 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10a9 y42df w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10aa y42df w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10ab y4093 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ac y4093 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b9 w47 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to credit institutio<span class=\"_ _3\"></span>ns<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ad y42ba wb4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ae y42ba w5d5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5.9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10af y42b9 wb50 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b0 y42b9 wb33 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bb w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b1 y42bc wb16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b2 y42bc wb51 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10b3 y42bb wb36 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b4 y42bb wb52 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls17 ws13\">3<span class=\"_ _3\"></span>25.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42e0 w4f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b5 y42e1 wb53 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>13<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b6 y42e1 w6e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">24,843.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10b7 y42e0 w80a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _3\"></span>5<span class=\"_ _0\"></span>1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10b8 y42e0 wb54 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3d7e wb55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x10b9 h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ba y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bb y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10bc y42c1 w61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bd y42c1 w61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10be y42c3 wb56 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10bf y42c3 wb57 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c0 y42e2 wb58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">28,891.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c1 y42e2 wb59 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">28<span class=\"_ _1\"></span>,0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42e3 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _68\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409d w74 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c2 y42c5 wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">2<span class=\"_ _3\"></span>3,8<span class=\"_ _3\"></span>20.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c3 y42c5 wb5a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">23,806.8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c4 y409d w77 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c5 y409d wb5b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22,<span class=\"_ _0\"></span>125.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f w70 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c6 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c7 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10c8 y409f wb3f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10c9 y409f wb3f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42e4 w7b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ca y42e5 w7d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cb y42e5 w81b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10cc y42e4 w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cd y42e4 w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ce y42e6 wb5c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,018.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10cf y42e6 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d0 y42c9 w82 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d1 y42c9 w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42e7 wb5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d2 y3fb2 wb2b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d3 y3fb2 wb2b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d4 y3d51 wb5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d5 y3d51 wb5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d6 y4066 wb5f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d7 y4066 wb60 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10d8 y3fd3 w703 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10d9 y3fd3 wb61 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10da y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10db y3fb4 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10dc y3d55 w70d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10dd y3d55 wb63 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>46.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10de y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1018 y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x10df y3d58 wa5f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e0 y3d58 wb64 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10e1 y3f5f wb65 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e2 y3f5f wb66 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e3 y3d5a wb67 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e4 y3d5a wb68 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">4<span class=\"_ _3\"></span>.<span class=\"_ _18\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e5 y3d5a wb69 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span>The fair values in these tables ar<span class=\"_ _0\"></span>e estimated using the v<span class=\"_ _0\"></span>aluation techniques below<span class=\"_ _0\"></span>. The<span class=\"_ gs2a\"> </span>estimat<span class=\"_ _0\"></span>ed fair value is st<span class=\"_ _0\"></span>ated as at 31 December and may be significantly different from<span class=\"_ gs2a\"> </span>the amount<span class=\"_ _0\"></span>s which will actually be paid on the maturity or settlement dates of each financial instrumen<span class=\"_ _0\"></span>t. Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span>This represen<span class=\"_ _0\"></span>ts physical cash across the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s br<span class=\"_ _0\"></span>anch network wher<span class=\"_ _0\"></span>e fair value is considered to be equal to carrying v<span class=\"_ _0\"></span>alue. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span>This mainly represen<span class=\"_ _0\"></span>ts the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s working c<span class=\"_ _0\"></span>apital current accounts and c<span class=\"_ _0\"></span>all accounts with centr<span class=\"_ _0\"></span>al government<span class=\"_ _0\"></span>s and other banks with an original maturity of less than thr<span class=\"_ _0\"></span>ee months. F<span class=\"_ _0\"></span>air value is not considered t<span class=\"_ _0\"></span>o be materially dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent to carrying value<span class=\"_ _0\"></span>. Investm<span class=\"_ _3\"></span>ent se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span>Inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _0\"></span>\u2019 f<span class=\"_ _0\"></span>air values are pro<span class=\"_ _0\"></span>vided by a third party and are based on the mark<span class=\"_ _0\"></span>et values of the financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>. Loans and a<span class=\"_ _3\"></span>dvance<span class=\"_ _3\"></span>s to custom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span>This mainly represen<span class=\"_ _0\"></span>ts secured mortgage lending to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. The fair value of fixe<span class=\"_ _0\"></span>d rate mortgages has been estimated by discoun<span class=\"_ _0\"></span>ting future cash flow<span class=\"_ _0\"></span>s at current mark<span class=\"_ _0\"></span>et rates of int<span class=\"_ _0\"></span>erest. Future c<span class=\"_ _0\"></span>ash flows include the impact of ECL. The in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate on variable r<span class=\"_ _0\"></span>ate mortgages is considered to be equal to curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et product r<span class=\"_ _0\"></span>ates and as such fair value is estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>. Other assets<span class=\"_ _35a\"> </span>Other assets disclosed in the table abo<span class=\"_ _0\"></span>ve ex<span class=\"_ _0\"></span>clude prepayments and the f<span class=\"_ _0\"></span>air value is considered to be equal to carrying v<span class=\"_ _0\"></span>alue. Amount<span class=\"_ _3\"></span>s owed to retail d<span class=\"_ _3\"></span>epositor<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>The fair value o<span class=\"_ _0\"></span>f fixed rate r<span class=\"_ _0\"></span>etail deposits has been estimat<span class=\"_ _0\"></span>ed by discounting future cash flo<span class=\"_ _0\"></span>ws at current mark<span class=\"_ _0\"></span>et r<span class=\"_ _0\"></span>ates of inter<span class=\"_ _0\"></span>est. Ret<span class=\"_ _0\"></span>ail deposits at variable rat<span class=\"_ _0\"></span>es and deposits payable on demand are considered t<span class=\"_ _0\"></span>o be at current mark<span class=\"_ _0\"></span>et rat<span class=\"_ _0\"></span>es and as such fair value is estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Amount<span class=\"_ _3\"></span>s owed to cre<span class=\"_ _3\"></span>dit institutions<span class=\"_ _35a\"> </span>This mainly represen<span class=\"_ _0\"></span>ts amounts dr<span class=\"_ _0\"></span>awn down under the BoE TFSME, IL<span class=\"_ _2\"></span>TR and commercial repos<span class=\"_ _0\"></span>. Fair value is considere<span class=\"_ _0\"></span>d to be equal to carrying value<span class=\"_ _0\"></span>. Amount<span class=\"_ _3\"></span>s owed to other c<span class=\"_ _3\"></span>ustome<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span>This represen<span class=\"_ _0\"></span>ts saving products to corpor<span class=\"_ _0\"></span>ations and local authorities. The f<span class=\"_ _0\"></span>air value of fixed rate deposit<span class=\"_ _0\"></span>s is estimated by discoun<span class=\"_ _0\"></span>ting future cash flows at curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et rates o<span class=\"_ _0\"></span>f interes<span class=\"_ _0\"></span>t. Deposits at variable r<span class=\"_ _0\"></span>ates are considered to be at curr<span class=\"_ _0\"></span>ent mark<span class=\"_ _0\"></span>et rates and the f<span class=\"_ _0\"></span>air value is estimat<span class=\"_ _0\"></span>ed to be equal to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Deb<span class=\"_ _3\"></span>t securitie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span>While the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s debt securities in issue are lis<span class=\"_ _0\"></span>ted, the quoted prices for an individual no<span class=\"_ _0\"></span>te may not be indicative o<span class=\"_ _0\"></span>f the fair value of the issue as a whole<span class=\"_ _0\"></span>, due to the specialised nature of the mark<span class=\"_ _0\"></span>et in such ins<span class=\"_ _0\"></span>truments and the limited number of in<span class=\"_ _0\"></span>vest<span class=\"_ _0\"></span>ors participating in it. Fair value is not considered t<span class=\"_ _0\"></span>o be materially dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent to carrying value<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>Othe<span class=\"_ _3\"></span>r liabilities<span class=\"_ _35a\"> </span>Other liabilities disclosed in the table abo<span class=\"_ _0\"></span>ve exclude de<span class=\"_ _0\"></span>ferred income and the fair v<span class=\"_ _0\"></span>alue is considered to be equal t<span class=\"_ _0\"></span>o carrying value.<span class=\"_ _35a\"> </span>Senior n<span class=\"_ _3\"></span>otes, Subordin<span class=\"_ _3\"></span>ated liabilities and PS<span class=\"_ _3\"></span>Bs<span class=\"_ _35a\"> </span>The senior notes<span class=\"_ _0\"></span>, subordinated liabilities and PSBs ar<span class=\"_ _0\"></span>e listed on the L<span class=\"_ _0\"></span>ondon Stock Exchange with fair value being the quot<span class=\"_ _0\"></span>ed mark<span class=\"_ _0\"></span>et price at the reporting date. iii. <span class=\"_ _11\"> </span>F<span class=\"_ _3\"></span>air value clas<span class=\"_ _3\"></span>sific<span class=\"_ _3\"></span>ation<span class=\"_ _35a\"> </span>The Group classifies fair v<span class=\"_ _0\"></span>alue measurements using a fair v<span class=\"_ _0\"></span>alue hierarchy that r<span class=\"_ _0\"></span>eflects the significance of the inputs used in making the me<span class=\"_ _0\"></span>asurements<span class=\"_ _0\"></span>. The following t<span class=\"_ _0\"></span>ables provide an analysis of financial assets and financial liabilities measur<span class=\"_ _0\"></span>ed at fair value in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position grouped int<span class=\"_ _0\"></span>o Lev<span class=\"_ _0\"></span>els 1 to 3 based on the degree t<span class=\"_ _0\"></span>o which the fair value is observable:<span class=\"_ _35a\"> </span><table class=\"s wb6a h130\" id=\"_d2d93c11-b4a5-4309-9609-e6c89514078c\"><tr><td></td><td class=\"t m1 xe95 h21 y42e8 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa18 h21 y42e8 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x850 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 xa1a h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 x10e6 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x279 h21 y42e9 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x24c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42ea ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42eb ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _10d\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42ec w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y42ed wb6b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">636.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e7 y42ed w1ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">638.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e8 y42ed wb1f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10e9 y42ed wb6c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">4<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ea y42ed w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10eb y42ed wb6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">636.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y42ee ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ec y3fb2 wb18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ed y3fb2 wb18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ee y3fb2 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ef y3fb2 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f0 y3fb2 wb6e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">12<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f1 y3fb2 wb6f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w57 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f2 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f3 y4066 wb70 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls21 ws20\">16<span class=\"_ _3\"></span>,47<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f4 y4066 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f5 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f6 y4066 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f7 y4066 w12b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x10f8 y3fe6 wb71 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">962<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10f9 y3fe6 wb72 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">1<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fa y3fe6 wb1f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fb y3fe6 w778 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">723<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fc y3fe6 wb73 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">13.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fd y3fe6 wb74 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">962.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42ef ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _a7\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10fe y3f5f w84 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ff y3f5f wb75 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1039 y3f5f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1100 y3f5f w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1101 y3f5f w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1102 y3f5f w84 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td></tr></table><table class=\"s w441 h131\" id=\"_2b0b5be1-84c2-4fc1-aaae-6f4fdab5084a\"><tr><td></td><td class=\"t m1 x69a h21 y42f0 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa5a h21 y42f0 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe37 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1103 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 x1104 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 xad3 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x2c9 h21 y42f1 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x2cd h21 y42f2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y42f2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y42f3 ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y42f5 w9c5 h103\"><div class=\"t m1 x247 hf y42f4 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1105 y42f5 wb32 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1106 y42f5 w6a6 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1107 y42f5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1108 y42f5 wb32 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1109 y42f5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110a y42f5 wb76 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">10.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422d w4b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y422d wb77 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110b y422d wb78 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>00.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1071 y422d wb35 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110c y422d w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110d y422d w631 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110e y422d wb79 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y42f6 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x110f y3d51 wb37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1110 y3d51 w696 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls130 ws136\">16.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1111 y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1112 y3d51 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1113 y3d51 wb7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1114 y3d51 wb7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1115 y3fd3 w16 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1116 y3fd3 wb7b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">1<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1117 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1118 y3fd3 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1119 y3fd3 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111a y3fd3 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x111b y3d55 wb7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">851<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111c y3d55 wb7d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">1<span class=\"_ _3\"></span>7,<span class=\"_ _18\"> </span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111d y3d55 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111e y3d55 wb7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1a ws16\">5<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111f y3d55 wb7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">14.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1120 y3d55 wb80 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">8<span class=\"_ _3\"></span>51.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y42f7 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1121 y3d5a wb42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1122 y3d5a wb81 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">8<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1123 y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1124 y3d5a wb43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1125 y3d5a wb82 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td></tr></table>Le<span class=\"_ _0\"></span>vel 1:<span class=\"ff2\"> Fair values that ar<span class=\"_ _0\"></span>e based entirely on quote<span class=\"_ _0\"></span>d market prices (unadjus<span class=\"_ _0\"></span>ted) in an activ<span class=\"_ _0\"></span>ely </span>traded mark<span class=\"_ _0\"></span>et f<span class=\"_ _0\"></span>or identical assets and liabilities that the Group has the ability to access<span class=\"_ _0\"></span>. V<span class=\"_ _0\"></span>aluation adjustmen<span class=\"_ _0\"></span>ts and block discounts are not applied t<span class=\"_ _0\"></span>o Lev<span class=\"_ _0\"></span>el 1 instrument<span class=\"_ _0\"></span>s. Since valuations are based on r<span class=\"_ _0\"></span>eadily available observable mark<span class=\"_ _0\"></span>et prices, this mak<span class=\"_ _0\"></span>es them mos<span class=\"_ _0\"></span>t reliable<span class=\"_ _0\"></span>, reduces the need for management judgemen<span class=\"_ _0\"></span>t and estimation and also reduces the uncertainty associated with determining f<span class=\"_ _0\"></span>air values. Le<span class=\"_ _0\"></span>vel 2:<span class=\"ff2\"> Fair values that ar<span class=\"_ _0\"></span>e based on one or more quoted prices in mark<span class=\"_ _0\"></span>ets that ar<span class=\"_ _0\"></span>e not active </span>or for which all significant input<span class=\"_ _0\"></span>s are tak<span class=\"_ _0\"></span>en from directly or indir<span class=\"_ _0\"></span>ectly obser<span class=\"_ _3\"></span>vable mark<span class=\"_ _0\"></span>et data. These include valuation models used to c<span class=\"_ _0\"></span>alculate the present value o<span class=\"_ _0\"></span>f expected future c<span class=\"_ _0\"></span>ash flows and may be employe<span class=\"_ _0\"></span>d either when no active mark<span class=\"_ _0\"></span>et exis<span class=\"_ _0\"></span>ts or when there are no quot<span class=\"_ _0\"></span>ed prices available for similar ins<span class=\"_ _0\"></span>truments in activ<span class=\"_ _0\"></span>e market<span class=\"_ _0\"></span>s. Le<span class=\"_ _0\"></span>vel 3:<span class=\"ff2\"> Fair values f<span class=\"_ _0\"></span>or which any one or more significant input is not based on observable </span>mark<span class=\"_ _0\"></span>et data and the unobservable inputs have a significan<span class=\"_ _0\"></span>t effect on the instrument<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s fair value<span class=\"_ _0\"></span>. Valuation mo<span class=\"_ _0\"></span>dels that employ significant unobservable inputs require a higher de<span class=\"_ _0\"></span>gree of management judgement and es<span class=\"_ _0\"></span>timation in determining the fair value<span class=\"_ _0\"></span>. Management judgement and estimation ar<span class=\"_ _0\"></span>e usually required for the selection o<span class=\"_ _0\"></span>f the appropriate valuation model t<span class=\"_ _0\"></span>o be used, determination of e<span class=\"_ _0\"></span>xpected future cash flo<span class=\"_ _0\"></span>ws on the financial instrumen<span class=\"_ _0\"></span>ts being valued, determination of the pr<span class=\"_ _0\"></span>obability of counterparty default and prepaymen<span class=\"_ _0\"></span>ts, det<span class=\"_ _0\"></span>ermination of expected v<span class=\"_ _0\"></span>olatilities and correlations and the selection of appropriat<span class=\"_ _0\"></span>e discount rates<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f financial assets and financial liabilities not measured at fair value in the Consolidated S<span class=\"_ _0\"></span>tatement of Financial Position gr<span class=\"_ _0\"></span>ouped into L<span class=\"_ _0\"></span>evels 1 t<span class=\"_ _0\"></span>o 3 based on the degree to which the f<span class=\"_ _0\"></span>air value is observable:<span class=\"_ _35a\"> </span><table class=\"s wb83 h132\" id=\"_d4ca675f-3e3f-4acd-91ff-df26c6b060f0\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1126 h21 y42f8 ff1 fs5 fc5 sc0 ls0 ws0\">Estimated fair value<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 xe95 h21 y42f9 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa18 h21 y42f9 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x850 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 xa1a h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 x10e6 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x279 h21 y42fa ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x24c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42fb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42fc ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _10d\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42fd w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1127 y42fe wb84 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1128 y42fe w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y42fe w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112a y42fe wb84 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112b y42fe w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112c y42fe w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42ff w9c5 hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112d y4300 wb85 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112e y4300 wb86 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y4300 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x112f y4300 wb14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1130 y4300 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1131 y4300 wb4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4301 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1132 y4302 wb87 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1133 y4302 wb88 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">79<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104d y4302 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1134 y4302 wb89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x365 y4302 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1135 y4302 wb89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">796.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4303 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4304 w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y4305 w9bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1136 y4305 wb8a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">25,<span class=\"_ _3\"></span>313.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1137 y4305 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1138 y4305 wb8b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _1\"></span>,18<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1139 y4305 wb8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22,6<span class=\"_ _3\"></span>60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113a y4305 wb8d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">24<span class=\"_ _0\"></span>,843.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4306 wb55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x10b9 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113b y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113c y4307 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113d y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113e y4307 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x113f y4307 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x1140 y4308 wb8e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1141 y4308 wb8f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">29<span class=\"_ _0\"></span>,508.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1142 y4308 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1143 y4308 wb90 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">6,386.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x2bd y4308 wb8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _3\"></span>,660.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1144 y4308 wa25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4309 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _a7\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y430a ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y430b wb91 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">depositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1145 y430c wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23,<span class=\"_ _3\"></span>820.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1146 y430c wb92 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1147 y430c w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1148 y430c wb93 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2a wsc\">8<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1149 y430c wb94 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">1<span class=\"_ _3\"></span>5,3<span class=\"_ _3\"></span>42<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114a y430c wb5a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">23,806.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y430d wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114b y430e w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114c y430e wb95 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,<span class=\"_ _0\"></span>913.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114d y430e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114e y430e w13b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x114f y430e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1150 y430e w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42d9 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1151 y430f w7d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1152 y430f wb96 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1153 y430f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1091 y430f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1154 y430f wa89 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1155 y430f w7d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42cb w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1156 y42cc w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1157 y42cc wb97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1158 y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1159 y42cc wb98 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115a y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115b y42cc wb5c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cd wb5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115c y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115d y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115e y3fb3 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x115f y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1160 y3fb3 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1161 y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1162 y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1163 y3fb4 wb99 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls23 ws22\">70<span class=\"_ _3\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1164 y3fb4 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1165 y3fb4 wb9a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1166 y3fb4 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1167 y3fb4 wb60 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1168 y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1169 y3fb5 wb9b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">250.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10ee y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116a y3fb5 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116b y3fb5 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f0 y3fb5 wb62 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">273<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x116c y3f5f wb65 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116d y3f5f wb9c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">27<span class=\"_ _2\"></span>,451.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116e y3f5f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x116f y3f5f wb9d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">12,5<span class=\"_ _0\"></span>10<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1170 y3f5f wb9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15,44<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1171 y3f5f wb9f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span><table class=\"s wba0 h133\" id=\"_31bc7c5f-43d7-42cb-bd01-f8968bc9df72\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1172 h21 y4310 ff1 fs5 fc5 sc0 ls0 ws0\">Estimated fair value<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y4311 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xa5a h21 y4311 ff1 fs5 fc5 sc0 ls0 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1103 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 1 </td><td class=\"t m1 x1104 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 2 </td><td class=\"t m1 xad3 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">Lev<span class=\"_ _0\"></span>el 3 </td><td class=\"t m1 x2c9 h21 y4312 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td class=\"t m1 x2cd h21 y4313 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4313 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4314 ff1 fs6 fc4 sc0 ls101 ws6f\">Financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4315 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4315 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4315 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9f y4315 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1173 y4315 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1174 y4315 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1175 y4315 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4316 w9c5 h126\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4316 w5c1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>80<span class=\"_ _3\"></span>2.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1176 y4316 wba1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,78<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1177 y4316 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1178 y4316 wb33 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,8<span class=\"_ _3\"></span>02.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1179 y4316 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117a y4316 w5c1 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>80<span class=\"_ _3\"></span>2.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4317 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117b y4317 w5c7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117c y4317 wba2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">323.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117d y4317 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117e y4317 wba3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls17 ws13\">325<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x117f y4317 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1180 y4317 wba3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls17 ws13\">325.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4318 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4319 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1181 y4319 wba4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _3\"></span>51<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1182 y4319 wba5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,<span class=\"_ _0\"></span>928.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1183 y4319 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1184 y4319 wba6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,1<span class=\"_ _0\"></span>12.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1185 y4319 wa1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1186 y4319 wba7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y431a wb39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x106b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1187 y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1188 y431b wba8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1189 y431b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118a y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118b y431b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118c y431b wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x118d y431c wb58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">28,891.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118e y431c wba9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">29<span class=\"_ _0\"></span>,05<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x118f y431c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1190 y431c w83a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">5,<span class=\"_ _3\"></span>253.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1191 y431c wbaa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1192 y431c wbab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y431d ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y431e wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1193 y431e w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1194 y431e wba4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">21,7<span class=\"_ _0\"></span>66.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1195 y431e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1196 y431e wbac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">5,786.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1197 y431e wbad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsd4 ws24\">16,339<span class=\"_ _2\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1198 y431e wb5b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22,<span class=\"_ _0\"></span>125.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y431f wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y431f wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1199 y431f w94c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">3<span class=\"_ _3\"></span>,5<span class=\"_ _3\"></span>24.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119a y431f w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119b y431f wbae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119c y431f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119d y431f wb3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42c7 wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y42c7 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119e y42c7 wbaf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsef wsea\">61<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x119f y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a0 y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a1 y42c7 wbb0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">6<span class=\"_ _3\"></span>3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a2 y42c7 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d9 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y42d9 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf55 y42d9 wbb1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1177 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a3 y42d9 wbb2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a4 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7bc y42d9 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4320 wb44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x108b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcf y3d51 w516 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a5 y3d51 w53b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a6 y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a7 y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a8 y3d51 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11a9 y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y3fd3 w703 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11aa y3fd3 w4d2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ab y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ac y3fd3 wbb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ad y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ae y3fd3 wbb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11af y3fd5 wb48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b0 y3fd5 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>50.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b1 y3fd5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b2 y3fd5 wbb4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">24<span class=\"_ _3\"></span>6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b3 y3fd5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b4 y3fd5 wbb4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">246<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b5 y3d58 wb4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b6 y3d58 wbb5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b7 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b8 y3d58 wbb6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11b9 y3d58 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ba y3d58 w8da hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x11bb y3d5a wbb7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"> </span>2<span class=\"_ _18\"> </span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bc y3d5a wbb8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">26<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bd y3d5a w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11be y3d5a wbb9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">10,788.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11bf y3d5a w425 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">16,<span class=\"_ _0\"></span>402.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c0 y3d5a wbba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _18\"> </span>7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-435": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs381\">7<span class=\"_ _5\"></span>. <span class=\"_ _f\"> </span>Other operating income<span class=\"_ _35a\"> </span></div><div class=\"gs382\"><table class=\"s w1f8 hcf\" id=\"_acf6b688-4a91-4029-b307-0642372e21b0\"><tr><td></td><td class=\"t m1 x47d h21 y3e4f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e4f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 w1f9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Inter<span class=\"_ _0\"></span>est received on mortgages held at FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a1 y3e52 w1fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a2 y3e51 w1fb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w1fc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s and commis<span class=\"_ _3\"></span>sions rec<span class=\"_ _3\"></span>eivabl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a3 y3e4e w1fd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a4 y3e53 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a5 y3e55 w1ff hca\"><div class=\"t m1 x247 ha y3e54 ff1 fs6 fc4 sc0 ls26 wse0\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a6 y3d5a w1f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-533": {
   "value": "7<span class=\"_ _5\"></span>. <span class=\"_ _f\"> </span>Other operating income<span class=\"_ _35a\"> </span><table class=\"s w1f8 hcf\" id=\"_acf6b688-4a91-4029-b307-0642372e21b0\"><tr><td></td><td class=\"t m1 x47d h21 y3e4f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e4f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 w1f9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Inter<span class=\"_ _0\"></span>est received on mortgages held at FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a1 y3e52 w1fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a2 y3e51 w1fb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w1fc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s and commis<span class=\"_ _3\"></span>sions rec<span class=\"_ _3\"></span>eivabl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a3 y3e4e w1fd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a4 y3e53 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a5 y3e55 w1ff hca\"><div class=\"t m1 x247 ha y3e54 ff1 fs6 fc4 sc0 ls26 wse0\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a6 y3d5a w1f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-509": {
   "value": "7<span class=\"_ _5\"></span>. <span class=\"_ _f\"> </span>Other operating income<span class=\"_ _35a\"> </span><table class=\"s w1f8 hcf\" id=\"_acf6b688-4a91-4029-b307-0642372e21b0\"><tr><td></td><td class=\"t m1 x47d h21 y3e4f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e4f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 w1f9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Inter<span class=\"_ _0\"></span>est received on mortgages held at FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a1 y3e52 w1fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a2 y3e51 w1fb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w1fc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s and commis<span class=\"_ _3\"></span>sions rec<span class=\"_ _3\"></span>eivabl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a3 y3e4e w1fd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a4 y3e53 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a5 y3e55 w1ff hca\"><div class=\"t m1 x247 ha y3e54 ff1 fs6 fc4 sc0 ls26 wse0\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a6 y3d5a w1f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-484": {
   "value": "7<span class=\"_ _5\"></span>. <span class=\"_ _f\"> </span>Other operating income<span class=\"_ _35a\"> </span><table class=\"s w1f8 hcf\" id=\"_acf6b688-4a91-4029-b307-0642372e21b0\"><tr><td></td><td class=\"t m1 x47d h21 y3e4f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e4f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e50 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 w1f9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Inter<span class=\"_ _0\"></span>est received on mortgages held at FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a1 y3e52 w1fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a2 y3e51 w1fb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w1fc hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s and commis<span class=\"_ _3\"></span>sions rec<span class=\"_ _3\"></span>eivabl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a3 y3e4e w1fd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a4 y3e53 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a5 y3e55 w1ff hca\"><div class=\"t m1 x247 ha y3e54 ff1 fs6 fc4 sc0 ls26 wse0\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a6 y3d5a w1f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-436": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs384\">8. <span class=\"_ _11\"> </span>Administrativ<span class=\"_ _0\"></span>e expenses<span class=\"_ _35a\"> </span></div><div class=\"gs385\"><table class=\"s w200 hd0\" id=\"_8ea3a045-166a-43a0-8fc3-9366035f1a98\"><tr><td></td><td class=\"t m1 x47d h21 y3e56 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e56 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e57 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e57 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e58 w201 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse6 wse1\">St<span class=\"_ _0\"></span>aff costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a7 y3e59 w202 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">143.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a8 y3e58 w203 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">122.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e5a w204 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls121 wsb9\">Support costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a9 y3e5b w205 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4aa y3e5a w206 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">43.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e5c w207 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profess<span class=\"_ _3\"></span>ional fee<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ab y3e5d w208 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">25<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ac y3e5c w209 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">32.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e1e w20a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Facilitie<span class=\"_ _3\"></span>s cost<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ad y3e5e w20b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ae y3e1e w20c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w20d hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Dep<span class=\"_ _3\"></span>reciatio<span class=\"_ _3\"></span>n (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 25)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4af y3e5f w20e hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b0 y3e20 w20f hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls68 ws14\">6.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e24 w210 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 26<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b1 y3e23 w211 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b2 y3e24 w212 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1e ws1d\">5<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w213 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Marketing cos<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e61 w214 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b3 y3e60 w215 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e27 w216 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse6 wse1\">Other costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b4 y3dfd w217 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">15.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b5 y3e27 w218 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4b6 y3e28 w219 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b7 y3d15 w21a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls68 ws14\">234.6<span class=\"_ _35a\"> </span></div></td></tr></table></div>ncluded in prof<span class=\"_ _0\"></span>essional fees are amounts paid t<span class=\"_ _0\"></span>o the Company\u2019<span class=\"_ _0\"></span>s auditor as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span><table class=\"s w23f hd3\" id=\"_4523f5a6-7825-48df-9dc1-e56e300894d1\"><tr><td></td><td class=\"t m1 x45b h21 y3e80 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e80 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x4d5 h21 y3e81 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td><td class=\"t m1 x4d6 h21 y3e81 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e83 w240 hd4\"><div class=\"t m1 x247 hf y3e82 ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s payabl<span class=\"_ _3\"></span>e to the Company\u2019<span class=\"_ _0\"></span>s auditor for th<span class=\"_ _3\"></span>e audit of the<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Comp<span class=\"_ _3\"></span>any\u2019<span class=\"_ _0\"></span>s annual account<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d7 y3e84 w241 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lsd4 ws24\">83<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d8 y3e83 w242 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">81<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e86 w240 hd4\"><div class=\"t m1 x247 hf y3e85 ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s payabl<span class=\"_ _3\"></span>e to the Company\u2019<span class=\"_ _0\"></span>s auditor for th<span class=\"_ _3\"></span>e audit of the<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">acc<span class=\"_ _3\"></span>ounts of subsidiar<span class=\"_ _3\"></span>ies<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d9 y3e87 w243 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls22 wse7\">4,0<span class=\"_ _3\"></span>38<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4da y3e86 w244 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3,788<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e88 w245 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal audit fee<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4db y3e89 w246 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsf9 wsf7\">4<span class=\"_ _3\"></span>,12<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4dc y3e88 w247 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3,869<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8a w248 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Audit<span class=\"_ _0\"></span>-related a<span class=\"_ _3\"></span>ssurance s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s</div><div class=\"t m1 x4dd h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4de y3e8b w249 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls13 ws11\">391<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4df y3e8c w24a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls24 ws132\">487<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8d w24b hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er assuranc<span class=\"_ _3\"></span>e ser<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es</div><div class=\"t m1 x4e0 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3df6 w24c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">330<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e1 y3df8 w24d hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">366<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8f w24e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">Other non-aud<span class=\"_ _0\"></span>it ser<span class=\"_ _3\"></span>vices</div><div class=\"t m1 x4e2 h20 y3e8e ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e3 y3e52 w24f hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls11 wsf\">73<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e4 y3e60 w250 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls3d ws3b\">42<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w251 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal non-audit fe<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e5 y3e90 w252 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls24 ws132\">794<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e6 y3dfe w253 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls13 ws11\">895<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e55 w254 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal fe<span class=\"_ _3\"></span>es payab<span class=\"_ _3\"></span>le to the C<span class=\"_ _3\"></span>ompany\u2019s auditor<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e7 y3e55 w255 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls162 ws171\">4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e8 y3d5a w256 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des r<span class=\"_ _3\"></span>evie<span class=\"_ _3\"></span>w of inter<span class=\"_ _3\"></span>im finan<span class=\"_ _3\"></span>cial i<span class=\"_ _3\"></span>nform<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n and pro<span class=\"_ _3\"></span>fit veri<span class=\"_ _3\"></span>fica<span class=\"_ _3\"></span>tions<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>C<span class=\"_ _3\"></span>ost<span class=\"_ _3\"></span>s comp<span class=\"_ _3\"></span>ris<span class=\"_ _3\"></span>e assu<span class=\"_ _3\"></span>ranc<span class=\"_ _3\"></span>e revi<span class=\"_ _3\"></span>ews of A<span class=\"_ _3\"></span>ltern<span class=\"_ _3\"></span>ati<span class=\"_ _3\"></span>ve Per<span class=\"_ _3\"></span>for<span class=\"_ _3\"></span>manc<span class=\"_ _3\"></span>e Me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>s (APM<span class=\"_ _3\"></span>s)<span class=\"_ _0\"></span>, ESG a<span class=\"_ _3\"></span>nd Europ<span class=\"_ _3\"></span>ea<span class=\"_ _3\"></span>n Singl<span class=\"_ _3\"></span>e Ele<span class=\"_ _3\"></span>ctron<span class=\"_ _3\"></span>ic Format (ESEF<span class=\"_ _3\"></span>) tagging. 3. <span class=\"_ _12\"> </span>Cos<span class=\"_ _3\"></span>ts pr<span class=\"_ _3\"></span>imar<span class=\"_ _3\"></span>ily co<span class=\"_ _3\"></span>mpris<span class=\"_ _3\"></span>e wor<span class=\"_ _3\"></span>k rela<span class=\"_ _3\"></span>ted to th<span class=\"_ _3\"></span>e Euro Me<span class=\"_ _3\"></span>dium Term Not<span class=\"_ _3\"></span>e (EMT<span class=\"_ _3\"></span>N) pr<span class=\"_ _3\"></span>ogram<span class=\"_ _3\"></span>me.<span class=\"_ _35a\"> </span>Staff costs comprise the f<span class=\"_ _0\"></span>ollowing: <table class=\"s w23f hd6\" id=\"_af66dc27-fde6-4113-b27e-24f6a6375516\"><tr><td></td><td class=\"t m1 x45b h21 y3e91 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e91 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e92 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e92 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e94 w257 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Salari<span class=\"_ _3\"></span>es, ince<span class=\"_ _3\"></span>ntive pay and othe<span class=\"_ _3\"></span>r benefi<span class=\"_ _3\"></span>ts</div><div class=\"t m1 x4e9 h20 y3e93 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ea y3e22 w258 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4eb y3e95 w259 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">101.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e24 w25a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ec y3e96 w25b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ed y3e24 w1cb hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e97 w25c hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">So<span class=\"_ _3\"></span>cial secur<span class=\"_ _3\"></span>ity cost<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ee y3e52 w25d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls22 wse7\">12.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ef y3e97 w25e hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">10.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w25f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er pens<span class=\"_ _3\"></span>ion cos<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f0 y3e4e w260 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">5<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f1 y3dfe w261 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">4.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4f2 y3e28 w202 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">143.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f3 y3d5a w262 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">122.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>In th<span class=\"_ _3\"></span>e four<span class=\"_ _3\"></span>th qua<span class=\"_ _3\"></span>rte<span class=\"_ _3\"></span>r<span class=\"_ _0\"></span>, the G<span class=\"_ _3\"></span>roup im<span class=\"_ _3\"></span>plem<span class=\"_ _3\"></span>ente<span class=\"_ _3\"></span>d a redu<span class=\"_ _3\"></span>ndan<span class=\"_ _3\"></span>cy pro<span class=\"_ _3\"></span>gramm<span class=\"_ _3\"></span>e whic<span class=\"_ _3\"></span>h affe<span class=\"_ _3\"></span>cted 13<span class=\"_ _3\"></span>9 rol<span class=\"_ _3\"></span>es in th<span class=\"_ _3\"></span>e UK and I<span class=\"_ _3\"></span>ndia<span class=\"_ _3\"></span> and re<span class=\"_ _3\"></span>sult<span class=\"_ _3\"></span>ed in \u00a3<span class=\"_ _3\"></span>4.5m one<span class=\"_ _3\"></span>-off exp<span class=\"_ _3\"></span>ens<span class=\"_ _3\"></span>e.<span class=\"_ _35a\"> </span>During the year \u00a32.7<span class=\"_ _2\"></span>m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m) of s<span class=\"_ _0\"></span>taff costs w<span class=\"_ _0\"></span>ere capitalised to in<span class=\"_ _0\"></span>tangible assets as part of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tr<span class=\"_ _0\"></span>ansformation progr<span class=\"_ _0\"></span>amme. <div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs38e\">The aver<span class=\"_ _0\"></span>age number of people employed by the Group (including Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s) during </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs38f\">the year is analysed belo<span class=\"_ _0\"></span>w. </div><div class=\"gs390\"><table class=\"s w263 hd7\" id=\"_6edc3291-03e8-4034-8eef-772295e73f62\"><tr><td></td><td class=\"c n x4f4 y3e99 w264 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f5 y3e99 w265 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w266 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls168 ws17b\">UK<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f6 y3e52 w267 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls13 ws11\">1,566<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f7 y3e60 w268 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w269 hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f8 y3e4e w26a hd2\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls119 ws1a\">9<span class=\"_ _3\"></span>93<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f9 y3dfe w26b hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls71 ws6d\">811<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4fa y3e28 w26c hc3\"><div class=\"t m1 x247 ha y3e9a ff1 fs6 fc4 sc0 ls67 ws63\">2,5<span class=\"_ _3\"></span>59<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4fb y3d5a w26d hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls15 ws18\">2,<span class=\"_ _3\"></span>272</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-510": {
   "value": "8. <span class=\"_ _11\"> </span>Administrativ<span class=\"_ _0\"></span>e expenses<span class=\"_ _35a\"> </span><table class=\"s w200 hd0\" id=\"_8ea3a045-166a-43a0-8fc3-9366035f1a98\"><tr><td></td><td class=\"t m1 x47d h21 y3e56 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e56 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e57 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e57 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e58 w201 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse6 wse1\">St<span class=\"_ _0\"></span>aff costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a7 y3e59 w202 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">143.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a8 y3e58 w203 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">122.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e5a w204 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls121 wsb9\">Support costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a9 y3e5b w205 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4aa y3e5a w206 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">43.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e5c w207 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profess<span class=\"_ _3\"></span>ional fee<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ab y3e5d w208 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">25<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ac y3e5c w209 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">32.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e1e w20a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Facilitie<span class=\"_ _3\"></span>s cost<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ad y3e5e w20b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ae y3e1e w20c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w20d hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Dep<span class=\"_ _3\"></span>reciatio<span class=\"_ _3\"></span>n (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 25)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4af y3e5f w20e hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b0 y3e20 w20f hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls68 ws14\">6.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e24 w210 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 26<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b1 y3e23 w211 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b2 y3e24 w212 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1e ws1d\">5<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w213 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Marketing cos<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e61 w214 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b3 y3e60 w215 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e27 w216 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse6 wse1\">Other costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b4 y3dfd w217 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">15.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b5 y3e27 w218 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4b6 y3e28 w219 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b7 y3d15 w21a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls68 ws14\">234.6<span class=\"_ _35a\"> </span></div></td></tr></table>I<span class=\"_ _35a\"> </span>ncluded in prof<span class=\"_ _0\"></span>essional fees are amounts paid t<span class=\"_ _0\"></span>o the Company\u2019<span class=\"_ _0\"></span>s auditor as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span><table class=\"s w23f hd3\" id=\"_4523f5a6-7825-48df-9dc1-e56e300894d1\"><tr><td></td><td class=\"t m1 x45b h21 y3e80 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e80 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x4d5 h21 y3e81 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td><td class=\"t m1 x4d6 h21 y3e81 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e83 w240 hd4\"><div class=\"t m1 x247 hf y3e82 ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s payabl<span class=\"_ _3\"></span>e to the Company\u2019<span class=\"_ _0\"></span>s auditor for th<span class=\"_ _3\"></span>e audit of the<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Comp<span class=\"_ _3\"></span>any\u2019<span class=\"_ _0\"></span>s annual account<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d7 y3e84 w241 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lsd4 ws24\">83<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d8 y3e83 w242 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">81<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e86 w240 hd4\"><div class=\"t m1 x247 hf y3e85 ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s payabl<span class=\"_ _3\"></span>e to the Company\u2019<span class=\"_ _0\"></span>s auditor for th<span class=\"_ _3\"></span>e audit of the<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">acc<span class=\"_ _3\"></span>ounts of subsidiar<span class=\"_ _3\"></span>ies<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d9 y3e87 w243 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls22 wse7\">4,0<span class=\"_ _3\"></span>38<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4da y3e86 w244 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3,788<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e88 w245 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal audit fee<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4db y3e89 w246 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsf9 wsf7\">4<span class=\"_ _3\"></span>,12<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4dc y3e88 w247 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3,869<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8a w248 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Audit<span class=\"_ _0\"></span>-related a<span class=\"_ _3\"></span>ssurance s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s</div><div class=\"t m1 x4dd h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4de y3e8b w249 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls13 ws11\">391<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4df y3e8c w24a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls24 ws132\">487<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8d w24b hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er assuranc<span class=\"_ _3\"></span>e ser<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es</div><div class=\"t m1 x4e0 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3df6 w24c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">330<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e1 y3df8 w24d hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">366<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8f w24e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">Other non-aud<span class=\"_ _0\"></span>it ser<span class=\"_ _3\"></span>vices</div><div class=\"t m1 x4e2 h20 y3e8e ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e3 y3e52 w24f hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls11 wsf\">73<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e4 y3e60 w250 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls3d ws3b\">42<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w251 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal non-audit fe<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e5 y3e90 w252 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls24 ws132\">794<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e6 y3dfe w253 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls13 ws11\">895<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e55 w254 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal fe<span class=\"_ _3\"></span>es payab<span class=\"_ _3\"></span>le to the C<span class=\"_ _3\"></span>ompany\u2019s auditor<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e7 y3e55 w255 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls162 ws171\">4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e8 y3d5a w256 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des r<span class=\"_ _3\"></span>evie<span class=\"_ _3\"></span>w of inter<span class=\"_ _3\"></span>im finan<span class=\"_ _3\"></span>cial i<span class=\"_ _3\"></span>nform<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n and pro<span class=\"_ _3\"></span>fit veri<span class=\"_ _3\"></span>fica<span class=\"_ _3\"></span>tions<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>C<span class=\"_ _3\"></span>ost<span class=\"_ _3\"></span>s comp<span class=\"_ _3\"></span>ris<span class=\"_ _3\"></span>e assu<span class=\"_ _3\"></span>ranc<span class=\"_ _3\"></span>e revi<span class=\"_ _3\"></span>ews of A<span class=\"_ _3\"></span>ltern<span class=\"_ _3\"></span>ati<span class=\"_ _3\"></span>ve Per<span class=\"_ _3\"></span>for<span class=\"_ _3\"></span>manc<span class=\"_ _3\"></span>e Me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>s (APM<span class=\"_ _3\"></span>s)<span class=\"_ _0\"></span>, ESG a<span class=\"_ _3\"></span>nd Europ<span class=\"_ _3\"></span>ea<span class=\"_ _3\"></span>n Singl<span class=\"_ _3\"></span>e Ele<span class=\"_ _3\"></span>ctron<span class=\"_ _3\"></span>ic Format (ESEF<span class=\"_ _3\"></span>) tagging. 3. <span class=\"_ _12\"> </span>Cos<span class=\"_ _3\"></span>ts pr<span class=\"_ _3\"></span>imar<span class=\"_ _3\"></span>ily co<span class=\"_ _3\"></span>mpris<span class=\"_ _3\"></span>e wor<span class=\"_ _3\"></span>k rela<span class=\"_ _3\"></span>ted to th<span class=\"_ _3\"></span>e Euro Me<span class=\"_ _3\"></span>dium Term Not<span class=\"_ _3\"></span>e (EMT<span class=\"_ _3\"></span>N) pr<span class=\"_ _3\"></span>ogram<span class=\"_ _3\"></span>me.<span class=\"_ _35a\"> </span>Staff costs comprise the f<span class=\"_ _0\"></span>ollowing: <table class=\"s w23f hd6\" id=\"_af66dc27-fde6-4113-b27e-24f6a6375516\"><tr><td></td><td class=\"t m1 x45b h21 y3e91 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e91 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e92 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e92 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e94 w257 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Salari<span class=\"_ _3\"></span>es, ince<span class=\"_ _3\"></span>ntive pay and othe<span class=\"_ _3\"></span>r benefi<span class=\"_ _3\"></span>ts</div><div class=\"t m1 x4e9 h20 y3e93 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ea y3e22 w258 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4eb y3e95 w259 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">101.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e24 w25a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ec y3e96 w25b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ed y3e24 w1cb hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e97 w25c hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">So<span class=\"_ _3\"></span>cial secur<span class=\"_ _3\"></span>ity cost<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ee y3e52 w25d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls22 wse7\">12.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ef y3e97 w25e hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">10.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w25f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er pens<span class=\"_ _3\"></span>ion cos<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f0 y3e4e w260 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">5<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f1 y3dfe w261 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">4.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4f2 y3e28 w202 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">143.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f3 y3d5a w262 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">122.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>In th<span class=\"_ _3\"></span>e four<span class=\"_ _3\"></span>th qua<span class=\"_ _3\"></span>rte<span class=\"_ _3\"></span>r<span class=\"_ _0\"></span>, the G<span class=\"_ _3\"></span>roup im<span class=\"_ _3\"></span>plem<span class=\"_ _3\"></span>ente<span class=\"_ _3\"></span>d a redu<span class=\"_ _3\"></span>ndan<span class=\"_ _3\"></span>cy pro<span class=\"_ _3\"></span>gramm<span class=\"_ _3\"></span>e whic<span class=\"_ _3\"></span>h affe<span class=\"_ _3\"></span>cted 13<span class=\"_ _3\"></span>9 rol<span class=\"_ _3\"></span>es in th<span class=\"_ _3\"></span>e UK and I<span class=\"_ _3\"></span>ndia<span class=\"_ _3\"></span> and re<span class=\"_ _3\"></span>sult<span class=\"_ _3\"></span>ed in \u00a3<span class=\"_ _3\"></span>4.5m one<span class=\"_ _3\"></span>-off exp<span class=\"_ _3\"></span>ens<span class=\"_ _3\"></span>e.<span class=\"_ _35a\"> </span>During the year \u00a32.7<span class=\"_ _2\"></span>m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m) of s<span class=\"_ _0\"></span>taff costs w<span class=\"_ _0\"></span>ere capitalised to in<span class=\"_ _0\"></span>tangible assets as part of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tr<span class=\"_ _0\"></span>ansformation progr<span class=\"_ _0\"></span>amme. The aver<span class=\"_ _0\"></span>age number of people employed by the Group (including Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s) during the year is analysed belo<span class=\"_ _0\"></span>w. <table class=\"s w263 hd7\" id=\"_6edc3291-03e8-4034-8eef-772295e73f62\"><tr><td></td><td class=\"c n x4f4 y3e99 w264 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f5 y3e99 w265 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w266 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls168 ws17b\">UK<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f6 y3e52 w267 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls13 ws11\">1,566<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f7 y3e60 w268 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w269 hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f8 y3e4e w26a hd2\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls119 ws1a\">9<span class=\"_ _3\"></span>93<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f9 y3dfe w26b hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls71 ws6d\">811<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4fa y3e28 w26c hc3\"><div class=\"t m1 x247 ha y3e9a ff1 fs6 fc4 sc0 ls67 ws63\">2,5<span class=\"_ _3\"></span>59<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4fb y3d5a w26d hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls15 ws18\">2,<span class=\"_ _3\"></span>272</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-485": {
   "value": "<table class=\"s w200 hd0\" id=\"_8ea3a045-166a-43a0-8fc3-9366035f1a98\"><tr><td></td><td class=\"t m1 x47d h21 y3e56 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e56 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3e57 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3e57 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e58 w201 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse6 wse1\">St<span class=\"_ _0\"></span>aff costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a7 y3e59 w202 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">143.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a8 y3e58 w203 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">122.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e5a w204 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls121 wsb9\">Support costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4a9 y3e5b w205 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4aa y3e5a w206 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">43.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e5c w207 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profess<span class=\"_ _3\"></span>ional fee<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ab y3e5d w208 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">25<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ac y3e5c w209 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">32.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e1e w20a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Facilitie<span class=\"_ _3\"></span>s cost<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ad y3e5e w20b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ae y3e1e w20c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e20 w20d hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Dep<span class=\"_ _3\"></span>reciatio<span class=\"_ _3\"></span>n (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 25)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4af y3e5f w20e hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b0 y3e20 w20f hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls68 ws14\">6.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e24 w210 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Amor<span class=\"_ _3\"></span>tisati<span class=\"_ _3\"></span>on (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 26<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b1 y3e23 w211 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b2 y3e24 w212 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1e ws1d\">5<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w213 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Marketing cos<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x48e y3e61 w214 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b3 y3e60 w215 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e27 w216 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse6 wse1\">Other costs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b4 y3dfd w217 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">15.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b5 y3e27 w218 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4b6 y3e28 w219 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4b7 y3d15 w21a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls68 ws14\">234.6<span class=\"_ _35a\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-486": {
   "value": "I<span class=\"_ _35a\"> </span>ncluded in prof<span class=\"_ _0\"></span>essional fees are amounts paid t<span class=\"_ _0\"></span>o the Company\u2019<span class=\"_ _0\"></span>s auditor as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span><table class=\"s w23f hd3\" id=\"_4523f5a6-7825-48df-9dc1-e56e300894d1\"><tr><td></td><td class=\"t m1 x45b h21 y3e80 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e80 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x4d5 h21 y3e81 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td><td class=\"t m1 x4d6 h21 y3e81 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e83 w240 hd4\"><div class=\"t m1 x247 hf y3e82 ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s payabl<span class=\"_ _3\"></span>e to the Company\u2019<span class=\"_ _0\"></span>s auditor for th<span class=\"_ _3\"></span>e audit of the<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Comp<span class=\"_ _3\"></span>any\u2019<span class=\"_ _0\"></span>s annual account<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d7 y3e84 w241 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lsd4 ws24\">83<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d8 y3e83 w242 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">81<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e86 w240 hd4\"><div class=\"t m1 x247 hf y3e85 ff2 fs6 fc4 sc0 ls0 ws0\">Fee<span class=\"_ _3\"></span>s payabl<span class=\"_ _3\"></span>e to the Company\u2019<span class=\"_ _0\"></span>s auditor for th<span class=\"_ _3\"></span>e audit of the<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">acc<span class=\"_ _3\"></span>ounts of subsidiar<span class=\"_ _3\"></span>ies<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4d9 y3e87 w243 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls22 wse7\">4,0<span class=\"_ _3\"></span>38<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4da y3e86 w244 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3,788<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e88 w245 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal audit fee<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4db y3e89 w246 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsf9 wsf7\">4<span class=\"_ _3\"></span>,12<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4dc y3e88 w247 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3,869<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8a w248 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Audit<span class=\"_ _0\"></span>-related a<span class=\"_ _3\"></span>ssurance s<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vice<span class=\"_ _3\"></span>s</div><div class=\"t m1 x4dd h20 y3e16 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4de y3e8b w249 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls13 ws11\">391<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4df y3e8c w24a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls24 ws132\">487<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8d w24b hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er assuranc<span class=\"_ _3\"></span>e ser<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es</div><div class=\"t m1 x4e0 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3df6 w24c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">330<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e1 y3df8 w24d hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">366<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8f w24e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">Other non-aud<span class=\"_ _0\"></span>it ser<span class=\"_ _3\"></span>vices</div><div class=\"t m1 x4e2 h20 y3e8e ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e3 y3e52 w24f hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls11 wsf\">73<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e4 y3e60 w250 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls3d ws3b\">42<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w251 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal non-audit fe<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e5 y3e90 w252 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls24 ws132\">794<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e6 y3dfe w253 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls13 ws11\">895<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e55 w254 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal fe<span class=\"_ _3\"></span>es payab<span class=\"_ _3\"></span>le to the C<span class=\"_ _3\"></span>ompany\u2019s auditor<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e7 y3e55 w255 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls162 ws171\">4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4e8 y3d5a w256 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls15d ws16c\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des r<span class=\"_ _3\"></span>evie<span class=\"_ _3\"></span>w of inter<span class=\"_ _3\"></span>im finan<span class=\"_ _3\"></span>cial i<span class=\"_ _3\"></span>nform<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n and pro<span class=\"_ _3\"></span>fit veri<span class=\"_ _3\"></span>fica<span class=\"_ _3\"></span>tions<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>C<span class=\"_ _3\"></span>ost<span class=\"_ _3\"></span>s comp<span class=\"_ _3\"></span>ris<span class=\"_ _3\"></span>e assu<span class=\"_ _3\"></span>ranc<span class=\"_ _3\"></span>e revi<span class=\"_ _3\"></span>ews of A<span class=\"_ _3\"></span>ltern<span class=\"_ _3\"></span>ati<span class=\"_ _3\"></span>ve Per<span class=\"_ _3\"></span>for<span class=\"_ _3\"></span>manc<span class=\"_ _3\"></span>e Me<span class=\"_ _3\"></span>asure<span class=\"_ _3\"></span>s (APM<span class=\"_ _3\"></span>s)<span class=\"_ _0\"></span>, ESG a<span class=\"_ _3\"></span>nd Europ<span class=\"_ _3\"></span>ea<span class=\"_ _3\"></span>n Singl<span class=\"_ _3\"></span>e Ele<span class=\"_ _3\"></span>ctron<span class=\"_ _3\"></span>ic Format (ESEF<span class=\"_ _3\"></span>) tagging. 3. <span class=\"_ _12\"> </span>Cos<span class=\"_ _3\"></span>ts pr<span class=\"_ _3\"></span>imar<span class=\"_ _3\"></span>ily co<span class=\"_ _3\"></span>mpris<span class=\"_ _3\"></span>e wor<span class=\"_ _3\"></span>k rela<span class=\"_ _3\"></span>ted to th<span class=\"_ _3\"></span>e Euro Me<span class=\"_ _3\"></span>dium Term Not<span class=\"_ _3\"></span>e (EMT<span class=\"_ _3\"></span>N) pr<span class=\"_ _3\"></span>ogram<span class=\"_ _3\"></span>me.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-487": {
   "value": "<div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs387\">Staff costs comprise the f<span class=\"_ _0\"></span>ollowing: </div><div class=\"gs388\"><table class=\"s w23f hd6\" id=\"_af66dc27-fde6-4113-b27e-24f6a6375516\"><tr><td></td><td class=\"t m1 x45b h21 y3e91 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3e91 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3e92 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3e92 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e94 w257 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Salari<span class=\"_ _3\"></span>es, ince<span class=\"_ _3\"></span>ntive pay and othe<span class=\"_ _3\"></span>r benefi<span class=\"_ _3\"></span>ts</div><div class=\"t m1 x4e9 h20 y3e93 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ea y3e22 w258 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4eb y3e95 w259 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">101.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e24 w25a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ec y3e96 w25b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ed y3e24 w1cb hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e97 w25c hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">So<span class=\"_ _3\"></span>cial secur<span class=\"_ _3\"></span>ity cost<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ee y3e52 w25d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls22 wse7\">12.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ef y3e97 w25e hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">10.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w25f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er pens<span class=\"_ _3\"></span>ion cos<span class=\"_ _3\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f0 y3e4e w260 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">5<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f1 y3dfe w261 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">4.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4f2 y3e28 w202 hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">143.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f3 y3d5a w262 hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">122.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs389\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>In th<span class=\"_ _3\"></span>e four<span class=\"_ _3\"></span>th qua<span class=\"_ _3\"></span>rte<span class=\"_ _3\"></span>r<span class=\"_ _0\"></span>, the G<span class=\"_ _3\"></span>roup im<span class=\"_ _3\"></span>plem<span class=\"_ _3\"></span>ente<span class=\"_ _3\"></span>d a redu<span class=\"_ _3\"></span>ndan<span class=\"_ _3\"></span>cy pro<span class=\"_ _3\"></span>gramm<span class=\"_ _3\"></span>e whic<span class=\"_ _3\"></span>h affe<span class=\"_ _3\"></span>cted 13<span class=\"_ _3\"></span>9 rol<span class=\"_ _3\"></span>es in th<span class=\"_ _3\"></span>e UK and I<span class=\"_ _3\"></span>ndia<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs38a\">and re<span class=\"_ _3\"></span>sult<span class=\"_ _3\"></span>ed in \u00a3<span class=\"_ _3\"></span>4.5m one<span class=\"_ _3\"></span>-off exp<span class=\"_ _3\"></span>ens<span class=\"_ _3\"></span>e.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs38b\">During the year \u00a32.7<span class=\"_ _2\"></span>m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m) of s<span class=\"_ _0\"></span>taff costs w<span class=\"_ _0\"></span>ere capitalised to in<span class=\"_ _0\"></span>tangible assets as part </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs38c\">of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s tr<span class=\"_ _0\"></span>ansformation progr<span class=\"_ _0\"></span>amme. </div>44<span class=\"_ _0\"></span>. Pension <span class=\"_ _1\"></span>scheme<span class=\"_ _35a\"> </span>Defined contri<span class=\"_ _0\"></span>bution sc<span class=\"_ _0\"></span>heme<span class=\"_ _35a\"> </span>The amount char<span class=\"_ _0\"></span>ged to profit or loss in respect o<span class=\"_ _0\"></span>f contributions to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s defined contribution and s<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>eholder pension arrangements is the con<span class=\"_ _0\"></span>tribution payable in the year<span class=\"_ _0\"></span>. The total pension cos<span class=\"_ _0\"></span>t in the year amounted to \u00a35<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m (<span class=\"_ _0\"></span>2023: \u00a34<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-488": {
   "value": "The aver<span class=\"_ _0\"></span>age number of people employed by the Group (including Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s) during the year is analysed belo<span class=\"_ _0\"></span>w. <table class=\"s w263 hd7\" id=\"_6edc3291-03e8-4034-8eef-772295e73f62\"><tr><td></td><td class=\"c n x4f4 y3e99 w264 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f5 y3e99 w265 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w266 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls168 ws17b\">UK<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f6 y3e52 w267 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls13 ws11\">1,566<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f7 y3e60 w268 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w269 hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f8 y3e4e w26a hd2\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls119 ws1a\">9<span class=\"_ _3\"></span>93<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f9 y3dfe w26b hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls71 ws6d\">811<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4fa y3e28 w26c hc3\"><div class=\"t m1 x247 ha y3e9a ff1 fs6 fc4 sc0 ls67 ws63\">2,5<span class=\"_ _3\"></span>59<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4fb y3d5a w26d hc1\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls15 ws18\">2,<span class=\"_ _3\"></span>272</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-437": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs392\">9<span class=\"_ _2\"></span>. <span class=\"_ _3b\"> </span>Dire<span class=\"_ _3\"></span>ctors<span class=\"_ _0\"></span>\u2019 emolumen<span class=\"_ _0\"></span>ts and transactions<span class=\"_ _35a\"> </span></div><div class=\"gs393\"><table class=\"s w26e hd9\" id=\"_a5457f0c-1bc2-441a-9433-d48c951d5807\"><tr><td></td><td class=\"t m1 x47d h21 y3e9b ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3e9b ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x4fc h21 y3e9c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td><td class=\"t m1 x4fd h21 y3e9c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3e9d w26f hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsc4 ws26\">Short<span class=\"_ _0\"></span>-t<span class=\"_ _0\"></span>erm employee benefits</div><div class=\"t m1 x4fe h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4ff y3e96 w270 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls21 ws20\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>47<span class=\"_ _35a\"> </span></div></td><td class=\"c n x500 y3e9e w21a hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">3,<span class=\"_ _3\"></span>20<span class=\"_ _0\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e51 w271 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsc4 ws26\">Post<span class=\"_ _0\"></span>-employmen<span class=\"_ _0\"></span>t benefits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x501 y3e52 w272 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls1e ws1d\">102<span class=\"_ _35a\"> </span></div></td><td class=\"c n x502 y3e51 w273 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls71 ws6d\">114<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e9f w274 hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments</div><div class=\"t m1 x503 h20 y3e8e ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x504 y3e90 w275 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">746<span class=\"_ _35a\"> </span></div></td><td class=\"c n x505 y3dfe w276 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4fa y3e55 w277 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls22 wse7\">4,095<span class=\"_ _35a\"> </span></div></td><td class=\"c n x506 y3d5a w278 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls3d ws3b\">4,7<span class=\"_ _3\"></span>42<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs394\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Sho<span class=\"_ _3\"></span>rt-term emp<span class=\"_ _3\"></span>loy<span class=\"_ _3\"></span>ee b<span class=\"_ _3\"></span>enefi<span class=\"_ _3\"></span>ts co<span class=\"_ _3\"></span>mpri<span class=\"_ _3\"></span>se Dir<span class=\"_ _3\"></span>ecto<span class=\"_ _3\"></span>rs\u2019 sa<span class=\"_ _3\"></span>lary c<span class=\"_ _3\"></span>ost<span class=\"_ _3\"></span>s, No<span class=\"_ _3\"></span>n-Exe<span class=\"_ _3\"></span>cuti<span class=\"_ _3\"></span>ve Dir<span class=\"_ _3\"></span>ecto<span class=\"_ _3\"></span>rs\u2019 fe<span class=\"_ _3\"></span>es and o<span class=\"_ _3\"></span>ther s<span class=\"_ _3\"></span>hor<span class=\"_ _3\"></span>t<span class=\"_ _0\"></span>-ter<span class=\"_ _3\"></span>m </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs395\">inc<span class=\"_ _3\"></span>enti<span class=\"_ _3\"></span>ve be<span class=\"_ _3\"></span>nefit<span class=\"_ _3\"></span>s, whi<span class=\"_ _3\"></span>ch are di<span class=\"_ _3\"></span>sclo<span class=\"_ _3\"></span>se<span class=\"_ _3\"></span>d in the An<span class=\"_ _3\"></span>nual R<span class=\"_ _3\"></span>epo<span class=\"_ _3\"></span>rt on R<span class=\"_ _3\"></span>emun<span class=\"_ _3\"></span>erat<span class=\"_ _3\"></span>ion. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs396\">2. <span class=\"_ _12\"> </span>Shar<span class=\"_ _3\"></span>e-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayme<span class=\"_ _3\"></span>nts re<span class=\"_ _3\"></span>pres<span class=\"_ _3\"></span>ent th<span class=\"_ _3\"></span>e amou<span class=\"_ _3\"></span>nts re<span class=\"_ _3\"></span>cei<span class=\"_ _3\"></span>ved b<span class=\"_ _3\"></span>y Dire<span class=\"_ _3\"></span>ctor<span class=\"_ _3\"></span>s for sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>es tha<span class=\"_ _3\"></span>t ves<span class=\"_ _3\"></span>ted dur<span class=\"_ _3\"></span>ing th<span class=\"_ _3\"></span>e year. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs397\">In addition to the total Dir<span class=\"_ _0\"></span>ectors<span class=\"_ _0\"></span>\u2019 emolumen<span class=\"_ _0\"></span>ts above<span class=\"_ _0\"></span>, the Executiv<span class=\"_ _0\"></span>e Directors w<span class=\"_ _0\"></span>ere gran<span class=\"_ _0\"></span>ted </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs398\">deferr<span class=\"_ _0\"></span>ed bonuses of \u00a3427k (2<span class=\"_ _0\"></span>023: \u00a3642k) in the form o<span class=\"_ _0\"></span>f shares. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs399\">The Executiv<span class=\"_ _0\"></span>e Directors r<span class=\"_ _0\"></span>eceived a further share aw<span class=\"_ _0\"></span>ard under the Performance Share Plan </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs39a\">(PSP) with a gr<span class=\"_ _0\"></span>ant date fair value o<span class=\"_ _0\"></span>f \u00a3<span class=\"_ _3\"></span>1,6<span class=\"_ _0\"></span>13k (2023: \u00a31,<span class=\"_ _0\"></span>592k) using a shar<span class=\"_ _0\"></span>e price of \u00a33.<span class=\"_ _0\"></span>86 (2023: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs39b\">\u00a34<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>98) (the mid-mark<span class=\"_ _0\"></span>et quotation on the day preceding the dat<span class=\"_ _0\"></span>e of grant). These shar<span class=\"_ _0\"></span>es </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs39c\">ves<span class=\"_ _0\"></span>t annually from year three in tr<span class=\"_ _0\"></span>anches of 20 per cent, subject to performance conditions </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs39d\">discussed in note 10 and the Annual Report on Remuner<span class=\"_ _0\"></span>ation. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs39e\">The Director<span class=\"_ _0\"></span>s of the Company are employed and compensated by OneSavings Bank plc<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs39f\">No compensation was paid f<span class=\"_ _0\"></span>or loss of office during 2024 and 2023.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a0\">There w<span class=\"_ _0\"></span>ere no outst<span class=\"_ _0\"></span>anding loans grant<span class=\"_ _0\"></span>ed in the ordinary course o<span class=\"_ _0\"></span>f business to Directors and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a1\">their connected persons as at 3<span class=\"_ _0\"></span>1 December 2024 and 2023.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws6f gs3a2\">The Annual Report on Remuneration and no<span class=\"_ _0\"></span>te 10 Share-based payments pr<span class=\"_ _0\"></span>ovide further details </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a3\">on Director<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 emoluments<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs759\">49<span class=\"_ _2\"></span>. <span class=\"_ _3\"></span>T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansactions with k<span class=\"_ _0\"></span>ey management personnel<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75a\">All related party transac<span class=\"_ _0\"></span>tions were made on terms equiv<span class=\"_ _0\"></span>alent to those that pre<span class=\"_ _0\"></span>vail in arm<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75b\">length transactions<span class=\"_ _0\"></span>. During the year<span class=\"_ _0\"></span>, there w<span class=\"_ _0\"></span>ere no relat<span class=\"_ _0\"></span>ed party transactions between the k<span class=\"_ _0\"></span>ey </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75c\">management per<span class=\"_ _0\"></span>sonnel and the Group other than as described below<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75d\">The Director<span class=\"_ _0\"></span>s and Group Executiv<span class=\"_ _0\"></span>e team are considered t<span class=\"_ _0\"></span>o be key managemen<span class=\"_ _0\"></span>t personnel.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75e\">Director<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 remuner<span class=\"_ _0\"></span>ation is disclosed in note 9 and in the Director<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 Remuneration R<span class=\"_ _0\"></span>eport on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs75f\">page 158. The Group Ex<span class=\"_ _0\"></span>ecutive team are all employees o<span class=\"_ _0\"></span>f OSB, the table belo<span class=\"_ _0\"></span>w shows the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs760\">aggregate r<span class=\"_ _0\"></span>emuneration for member<span class=\"_ _0\"></span>s of the team who are non-dir<span class=\"_ _0\"></span>ectors:<span class=\"_ _35a\"> </span></div><div class=\"gs761\"><table class=\"s w23f hd9\" id=\"_0c472776-78ce-4565-8989-405abe5cbb10\"><tr><td></td><td class=\"t m1 x45b h21 y43b3 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y43b3 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x4d5 h21 y43b4 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td><td class=\"t m1 x4d6 h21 y43b4 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e24 wcba hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Short<span class=\"_ _0\"></span>-t<span class=\"_ _0\"></span>erm employee benefits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12cd y3e96 wcbb hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls23 ws22\">4<span class=\"_ _3\"></span>,7<span class=\"_ _3\"></span>70<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ce y3e24 wcbc hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls66 ws62\">4,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w271 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Post<span class=\"_ _0\"></span>-employmen<span class=\"_ _0\"></span>t benefits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12cf y3ee5 wcbd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">232<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d0 y3e60 wcbe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">62<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w25a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d1 y3e90 wcbf hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">1,371<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d2 y3dfe wcc0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x12d3 y3e28 wcc1 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">6,<span class=\"_ _3\"></span>373<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d4 y3d5a wcc2 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls59 wsde\">5,8<span class=\"_ _3\"></span>04<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs762\">Key managemen<span class=\"_ _0\"></span>t personnel and connected per<span class=\"_ _0\"></span>sons held deposits with the Group of \u00a31.6m </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs763\">(2023: \u00a32.<span class=\"_ _0\"></span>3m).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-438": {
   "value": "10. <span class=\"_ _1\"></span>Share-based payments<span class=\"_ _35a\"> </span>The share-based e<span class=\"_ _0\"></span>xpense for the year includes a charge in respect o<span class=\"_ _0\"></span>f the Sharesave Scheme,<span class=\"_ gs2a\"> </span>DSBP and PSP<span class=\"_ _2\"></span>. All charges are included in employee e<span class=\"_ _0\"></span>xpenses within note 8 Administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses.<span class=\"_ _35a\"> </span>A summary of the share-based schemes oper<span class=\"_ _0\"></span>ated by the Group is set out belo<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span>. Sharesave Scheme<span class=\"_ _35a\"> </span>The Sharesav<span class=\"_ _0\"></span>e Scheme is a share option scheme which is available to all UK<span class=\"_ _0\"></span>-based employees. The Sharesav<span class=\"_ _0\"></span>e Scheme allows employees to purchase options by saving a fix<span class=\"_ _0\"></span>ed amount of between \u00a310 and \u00a3500 per month o<span class=\"_ _0\"></span>ver a period of thr<span class=\"_ _0\"></span>ee years at the end of which the options<span class=\"_ _0\"></span>, subject to leav<span class=\"_ _0\"></span>er provisions<span class=\"_ _0\"></span>, are usually exer<span class=\"_ _0\"></span>cisable. If not ex<span class=\"_ _0\"></span>ercised, the amount sav<span class=\"_ _0\"></span>ed is returned to the employee<span class=\"_ _0\"></span>. The Sharesave Scheme has been in oper<span class=\"_ _0\"></span>ation since 2014 and an invitation t<span class=\"_ _0\"></span>o join the scheme is usually extended annually, with the option price calculated using the mid-mark<span class=\"_ _0\"></span>et price of an OSBG or<span class=\"_ _0\"></span>dinary share ov<span class=\"_ _0\"></span>er the three dealing days prior to the<span class=\"_ gs2a\"> </span>Invitation Dat<span class=\"_ _0\"></span>e and applying a discount of 20%.<span class=\"_ _35a\"> </span>Def<span class=\"_ _3\"></span>erred S<span class=\"_ _3\"></span>hare Bo<span class=\"_ _3\"></span>nus Plan DSBP aw<span class=\"_ _0\"></span>ards are gr<span class=\"_ _0\"></span>anted to E<span class=\"_ _0\"></span>xecutive Direct<span class=\"_ _0\"></span>ors and certain senior managers to allo<span class=\"_ _0\"></span>w a portion of their performance bonuses to be deferr<span class=\"_ _0\"></span>ed in shares for up to three t<span class=\"_ _0\"></span>o seven year<span class=\"_ _0\"></span>s for Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s and typically one year for senior managers<span class=\"_ _0\"></span>. There are no further performance or ves<span class=\"_ _0\"></span>ting conditions attached to deferr<span class=\"_ _0\"></span>ed awar<span class=\"_ _0\"></span>ds for senior managers<span class=\"_ _0\"></span>, which also applies to Executiv<span class=\"_ _0\"></span>e Director<span class=\"_ _0\"></span>s for awar<span class=\"_ _0\"></span>ds grant<span class=\"_ _0\"></span>ed from April 2021. The share a<span class=\"_ _0\"></span>wards are subject to cla<span class=\"_ _0\"></span>wback provisions<span class=\"_ _0\"></span>. The DSBP awar<span class=\"_ _0\"></span>ds are expensed in the ye<span class=\"_ _0\"></span>ar ser<span class=\"_ _3\"></span>vices are receive<span class=\"_ _0\"></span>d with a corresponding increase in equity. Aw<span class=\"_ _0\"></span>ards gr<span class=\"_ _0\"></span>anted to Ex<span class=\"_ _0\"></span>ecutive Director<span class=\"_ _0\"></span>s in<span class=\"_ gs2a\"> </span>March 202<span class=\"_ _0\"></span>0 and prior<span class=\"_ _0\"></span>, are subject to v<span class=\"_ _0\"></span>esting conditions and are e<span class=\"_ _0\"></span>xpensed over the ves<span class=\"_ _0\"></span>ting<span class=\"_ gs2a\"> </span>period. DSBP aw<span class=\"_ _0\"></span>ards for senior manager<span class=\"_ _0\"></span>s carry entitlements t<span class=\"_ _0\"></span>o dividend equivalents<span class=\"_ _0\"></span>, which are paid when the aw<span class=\"_ _0\"></span>ards ves<span class=\"_ _0\"></span>t. DSBP aw<span class=\"_ _0\"></span>ards gran<span class=\"_ _0\"></span>ted from April 2021 t<span class=\"_ _0\"></span>o Executive Dir<span class=\"_ _0\"></span>ectors are en<span class=\"_ _0\"></span>titled to dividend equivalen<span class=\"_ _0\"></span>ts. A<span class=\"_ _0\"></span>wards gr<span class=\"_ _0\"></span>anted in prior year<span class=\"_ _0\"></span>s were not en<span class=\"_ _0\"></span>titled to dividend equivalen<span class=\"_ _0\"></span>ts. Per<span class=\"_ _3\"></span>formance S<span class=\"_ _3\"></span>hare Plan PSP aw<span class=\"_ _0\"></span>ards are typically made annually at the discr<span class=\"_ _0\"></span>etion of the Group Remuner<span class=\"_ _0\"></span>ation and People Committee with Executiv<span class=\"_ _0\"></span>e Directors and certain senior manager<span class=\"_ _0\"></span>s being eligible for aw<span class=\"_ _0\"></span>ards. The v<span class=\"_ _0\"></span>esting of PSP a<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>ds is determined based on a mixture of in<span class=\"_ _0\"></span>ternal financial performance target<span class=\"_ _0\"></span>s, risk<span class=\"_ _0\"></span>-based measures<span class=\"_ _0\"></span>, and relative t<span class=\"_ _0\"></span>otal shareholder returns (TSR). During the year<span class=\"_ _0\"></span>, the Gr<span class=\"_ _0\"></span>oup introduced ne<span class=\"_ _0\"></span>w ESG tar<span class=\"_ _0\"></span>gets as conditions to the PSP aw<span class=\"_ _0\"></span>ards<span class=\"_ _0\"></span>. Following changes to the Good L<span class=\"_ _0\"></span>eaver definition enacte<span class=\"_ _0\"></span>d in 2024<span class=\"_ _0\"></span>, the Group now r<span class=\"_ _0\"></span>ecognises the expense related t<span class=\"_ _0\"></span>o the PSP scheme over thr<span class=\"_ _0\"></span>ee years (pre<span class=\"_ _0\"></span>viously three to sev<span class=\"_ _0\"></span>en years). The Group took a charge o<span class=\"_ _0\"></span>f \u00a30.<span class=\"_ _2\"></span>9m in 2024 r<span class=\"_ _0\"></span>elated to this change.<span class=\"_ _35a\"> </span><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a5\">The performance conditions that apply to PSP aw<span class=\"_ _0\"></span>ards are based on a combination o<span class=\"_ _0\"></span>f </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a6\">weigh<span class=\"_ _0\"></span>tings as follows: </div><div class=\"gs390\"><table class=\"s w281 hdb\" id=\"_1b07d04e-ae56-4f1a-b059-c4a515a45df1\"><tr><td></td><td class=\"c n x50f y3ea3 w282 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x510 y3ea3 w283 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">202<span class=\"_ _0\"></span>0\u20132023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x511 y3ea3 w284 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Prior to 2020<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ea4 w285 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lseb ws27\">EPS %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x512 y3ea5 w286 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls101 ws6f\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x513 y3ea4 w287 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x514 y3ea4 w288 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls9e ws9b\">40<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ea6 w289 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">TSR %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x515 y3ea7 w28a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x516 y3ea6 w287 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x517 y3ea6 w28b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls9e ws9b\">40<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ea9 w28c hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls65 ws21\">Risk<span class=\"_ _2\"></span>-base<span class=\"_ _3\"></span>d %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x518 y3eaa w28d hc3\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x519 y3ea9 w28e hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51a y3ea9 w1c8 hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w28f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Return on equi<span class=\"_ _3\"></span>ty (ROE<span class=\"_ _3\"></span>) %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51b y3e90 w28d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51c y3e53 w28e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51d y3e53 w290 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls59 wsde\">20<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w291 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls22 wse7\">ESG<span class=\"_ _3\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51e y3e55 w292 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls13 ws11\">10<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51f y3d5a w1c8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x520 y3d5a w293 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a7\">The PSP conditions are assessed independently. The EPS elemen<span class=\"_ _0\"></span>t assesses the EPS growth r<span class=\"_ _0\"></span>ate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws6f gs3a8\">ov<span class=\"_ _0\"></span>er the performance period. For the TSR elemen<span class=\"_ _0\"></span>t, the performance of the Company\u2019<span class=\"_ _0\"></span>s or<span class=\"_ _0\"></span>dinary </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3a9\">shares is measure<span class=\"_ _0\"></span>d against the constituen<span class=\"_ _0\"></span>ts of the FTSE 2<span class=\"_ _0\"></span>50 (ex<span class=\"_ _0\"></span>cluding inves<span class=\"_ _0\"></span>tment trust<span class=\"_ _0\"></span>s). The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3aa\">risk<span class=\"_ _0\"></span>-based measure is assessed agains<span class=\"_ _0\"></span>t the risk management performance with regar<span class=\"_ _0\"></span>d to all </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3ab\">relev<span class=\"_ _0\"></span>ant risk<span class=\"_ _0\"></span>s. For the ROE element, performance is assessed base<span class=\"_ _0\"></span>d on the Group\u2019<span class=\"_ _2\"></span>s underlying </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3ac\">profit after tax<span class=\"_ _0\"></span>ation as a percentage of av<span class=\"_ _0\"></span>erage shareholder<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 equity.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3ad\">The share-based payment e<span class=\"_ _0\"></span>xpense during the year comprised the follo<span class=\"_ _0\"></span>wing: </div><div class=\"gs3ae\"><table class=\"s w1f8 hda\" id=\"_d03ba98a-ef7a-4326-b265-286fdc563e72\"><tr><td></td><td class=\"t m1 x47d h21 y3ea0 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3ea0 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3ea1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3ea1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e9e w279 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Shares<span class=\"_ _3\"></span>ave Sch<span class=\"_ _3\"></span>eme<span class=\"_ _35a\"> </span></div></td><td class=\"c n x507 y3e96 w27a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x508 y3e9e w27b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e51 w27c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Defe<span class=\"_ _3\"></span>rred Share B<span class=\"_ _3\"></span>onus Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x509 y3e52 w27d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lseb ws27\">2.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50a y3e51 w1fe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w27e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Per<span class=\"_ _3\"></span>formanc<span class=\"_ _3\"></span>e Share Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50b y3e90 w27f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50c y3dfe w280 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x50d y3e28 w20e hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x50e y3d5a w1cb hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3b0\">Mov<span class=\"_ _0\"></span>ements in the number of share a<span class=\"_ _0\"></span>war<span class=\"_ _0\"></span>ds and their weighted av<span class=\"_ _0\"></span>erage e<span class=\"_ _0\"></span>xercise prices are set </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3b1\">out below:<span class=\"_ _35a\"> </span></div><div class=\"gs3b2\"><table class=\"s w294 hdc\" id=\"_c7733a48-5c14-4e17-b9bf-15eb4c515513\"><tr><td></td><td></td><td class=\"c n x521 y3eab w295 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Sharesave Scheme<span class=\"_ _35a\"> </span></div></td><td class=\"c n x522 y3eab w296 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">D<span class=\"_ _3\"></span>eferred Share Bonus Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x523 y3eab w297 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Performance Share Plan<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x524 h21 y3eac ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3ead ff1 fs5 fc5 sc0 ls0 ws0\">average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3eae ff1 fs5 fc5 sc0 ls0 ws0\">exer<span class=\"_ _0\"></span>cise </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x526 h21 y3eaf ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _84\"> </span>Numb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></td><td class=\"c n x527 y3eb0 w202 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x528 y3eb0 w298 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td><td class=\"c n x529 y3eb0 w298 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb1 w299 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52a y3eb2 w29a hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsca wsc6\">2,801,587<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52b y3eb2 w29b hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52c y3eb2 w29c hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 ls33 ws31\">895,162<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52d y3eb2 w29d hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsd5 wsd2\">6<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb3 w29e hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">Grante<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52e y3eb4 w29f hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls48 ws48\">8<span class=\"_ _3\"></span>98,516<span class=\"_ _35a\"> </span></div></td><td class=\"c n x52f y3eb4 w2a0 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x530 y3eb4 w2a1 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsd5 wsd2\">5<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x531 y3eb4 w2a2 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsd2 wsd1\">3,501,<span class=\"_ _3\"></span>310<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb5 w2a3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls69 ws1e\">Exercised/<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>es<span class=\"_ _3\"></span>ted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x532 y3e8c w2a4 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc5 wsc3\">(30<span class=\"_ _3\"></span>3,<span class=\"_ _3\"></span>627<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x533 y3e8c w2a5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls21 ws20\">2<span class=\"_ _3\"></span>.47<span class=\"_ _35a\"> </span></div></td><td class=\"c n x534 y3e8c w2a6 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lse wsf4\">(531,669)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x535 y3e8c w2a7 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls72 wsa\">(<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>72<span class=\"_ _3\"></span>,5<span class=\"_ _3\"></span>68<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb6 w2a8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsd4 ws24\">For<span class=\"_ _3\"></span>feited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x536 y3df8 w2a9 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls29 wsca\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>60<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>747<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x537 y3df8 w2aa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls119 ws1a\">3<span class=\"_ _3\"></span>.29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x538 y3df8 w2ab hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls2a wsc\">(6<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>37<span class=\"_ _3\"></span>9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x539 y3df8 w2ac hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsf2 wsee\">(9<span class=\"_ _3\"></span>11,5<span class=\"_ _3\"></span>80)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfb w2ad hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls23 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53a y3dfb w2ae hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lsfa wsf8\">2<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>935,729<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53b y3dfb w29b hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53c y3dfb w2af hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 ls48 ws48\">9<span class=\"_ _3\"></span>44,795<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53d y3dfb w2b0 hc2\"><div class=\"t m1 x247 ha y3de4 ff1 fs0 fc4 sc0 lse wsf4\">8,564,<span class=\"_ _0\"></span>430<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3eb7 ff2 fs6 fc4 sc0 ls0 ws0\">Exercisab<span class=\"_ _3\"></span>le at:<span class=\"_ _e0\"> </span><span class=\"ff1 fs0\"> <span class=\"_ _4e\"> </span><span class=\"fs6\"> <span class=\"_ _b9\"> </span> <span class=\"_ _fc\"> </span></span> <span class=\"_ _10f\"> </span><span class=\"fs6\"> <span class=\"_ _fc\"> </span></span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w2b1 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls119 ws1a\">31 De<span class=\"_ _3\"></span>cem<span class=\"_ _3\"></span>ber 2<span class=\"_ _3\"></span>024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53e y3d5a w2b2 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsd3 ws2\">81,035<span class=\"_ _35a\"> </span></div></td><td class=\"c n x53f y3d5a w2b3 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _1\"></span>.90<span class=\"_ _35a\"> </span></div></td><td class=\"c n x540 y3d5a w2b4 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x541 y3d5a w2b5 hc2\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"gs3b3\"><table class=\"s w2b6 hdd\" id=\"_38a76698-83f7-4f7b-8727-3b57d11a2ccc\"><tr><td></td><td></td><td class=\"c n x542 y3eb8 w2b7 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Sharesave Scheme<span class=\"_ _35a\"> </span></div></td><td class=\"c n x543 y3eb8 w2b8 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Deferred Share Bonus Plan<span class=\"_ _35a\"> </span></div></td><td class=\"c n x544 y3eb8 w2b9 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Per<span class=\"_ _3\"></span>formance Share Plan<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x524 h21 y3eb9 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3eba ff1 fs5 fc5 sc0 ls0 ws0\">average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x525 h21 y3ebb ff1 fs5 fc5 sc0 ls0 ws0\">exer<span class=\"_ _0\"></span>cise </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x545 h21 y3ebc ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></td><td class=\"c n x527 y3ebd w202 hde\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x528 y3ebd w298 hde\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td><td class=\"c n x529 y3ebd w298 hde\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb2 w2ba hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x546 y3ebe w2bb hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscb wsc9\">2,<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>47<span class=\"_ _0\"></span>,97<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x547 y3eb2 w2bc hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.08<span class=\"_ _35a\"> </span></div></td><td class=\"c n x548 y3ebe w2bd hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls149 ws152\">7<span class=\"_ _0\"></span>63,390<span class=\"_ _35a\"> </span></div></td><td class=\"c n x549 y3ebe w2be hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls1f ws61\">5,<span class=\"_ _3\"></span>39<span class=\"_ _3\"></span>1,26<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ebf w29e hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls68 ws14\">Grante<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54a y3ec0 w2bf hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfb wsfa\">1,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>51,51<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54b y3ebf w223 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls15 ws18\">2.72<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54c y3ec0 w2c0 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">652,2<span class=\"_ _3\"></span>27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54d y3ec0 w2c1 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">2,<span class=\"_ _3\"></span>38<span class=\"_ _3\"></span>1,50<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e8c w2a3 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls69 ws1e\">Exercised/<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>es<span class=\"_ _3\"></span>ted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54e y3ec2 w2c2 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfd wsfd\">(<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x54f y3e8c w2c3 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>31<span class=\"_ _35a\"> </span></div></td><td class=\"c n x550 y3ec2 w2c4 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd6 wsd3\">(<span class=\"_ _3\"></span>51<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>52<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x551 y3ec2 w2c5 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls149 ws152\">(568,782)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3df8 w2a8 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsd4 ws24\">For<span class=\"_ _3\"></span>feited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x552 y3df6 w2c6 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls149 ws152\">(468,<span class=\"_ _3\"></span>27<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x553 y3df8 w2c7 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>.9<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x554 y3df6 w2c8 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscb wsc9\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x555 y3df6 w2c9 hc4\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfb wsfa\">(<span class=\"_ _3\"></span>45<span class=\"_ _3\"></span>6,<span class=\"_ _3\"></span>719)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfb w2ca hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x556 y3ec3 w2cb hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 ls33 ws31\">2,8<span class=\"_ _3\"></span>01,5<span class=\"_ _3\"></span>87<span class=\"_ _35a\"> </span></div></td><td class=\"c n x557 y3dfb w2cc hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>.9<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x558 y3ec3 w2cd hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 lsd6 wsd3\">8<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,16<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x559 y3ec3 w2ce hc8\"><div class=\"t m1 x247 hf y3e00 ff2 fs0 fc4 sc0 lsda wsd6\">6<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7,<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3ec4 ff2 fs6 fc4 sc0 ls0 ws0\">Exercisab<span class=\"_ _3\"></span>le at:<span class=\"_ _e0\"> </span><span class=\"fs0\"> <span class=\"_ _cc\"> </span></span> <span class=\"_ _b9\"> </span> <span class=\"_ _fc\"> </span><span class=\"fs0\"> <span class=\"_ _10f\"> </span></span> <span class=\"_ _1d1\"> </span><span class=\"fs0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w2cf hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55a y3e01 w2d0 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>676<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55b y3d5a w2d1 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">2.31<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55c y3e01 w2d2 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55d y3e01 w2d3 hc5\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3b4\">For the share-based aw<span class=\"_ _0\"></span>ards gr<span class=\"_ _0\"></span>anted during the year<span class=\"_ _2\"></span>, the weighted av<span class=\"_ _0\"></span>erage gr<span class=\"_ _0\"></span>ant date fair </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3b5\">value w<span class=\"_ _0\"></span>as 272 pence (2<span class=\"_ _0\"></span>023: 275 pence). </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3b7\">The range o<span class=\"_ _0\"></span>f exercise prices and w<span class=\"_ _0\"></span>eighted av<span class=\"_ _0\"></span>erage remaining contr<span class=\"_ _0\"></span>actual life of outs<span class=\"_ _0\"></span>tanding </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3b8\">aw<span class=\"_ _0\"></span>ards are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"gs390\"><table class=\"s w314 he1\" id=\"_307873cf-bce4-425a-9963-a3c502705035\"><tr><td></td><td class=\"c n x59d y3ecf w282 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x59e y3ecf w265 hd8\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x59f h21 y3ed0 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td class=\"t m1 x5a0 h21 y3ed0 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td></td><td class=\"t m1 x5a1 h21 y3ed1 ff1 fs5 fc5 sc0 ls0 ws0\">average </td><td></td><td class=\"t m1 x5a2 h21 y3ed1 ff1 fs5 fc5 sc0 ls0 ws0\">average </td></tr><tr><td></td><td></td><td class=\"t m1 x5a3 h21 y3ed2 ff1 fs5 fc5 sc0 ls0 ws0\">remaining </td><td></td><td class=\"t m1 x5a4 h21 y3ed2 ff1 fs5 fc5 sc0 ls0 ws0\">remaining </td></tr><tr><td></td><td></td><td class=\"t m1 x5a5 h21 y3ed3 ff1 fs5 fc5 sc0 ls0 ws0\">contractual life </td><td></td><td class=\"t m1 x5a6 h21 y3ed3 ff1 fs5 fc5 sc0 ls0 ws0\">contractual life </td></tr><tr><td class=\"t m1 x481 h21 y3ed4 ff1 fs5 fc5 sc0 ls0 ws0\">Exercise price<span class=\"_ _35a\"> </span></td><td class=\"t m1 x5a7 h21 y3ed4 ff1 fs5 fc5 sc0 ls0 ws0\">Number<span class=\"_ _35a\"> </span></td><td class=\"c n x5a8 y3ed5 w315 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">(years)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5a9 y3ed5 w316 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Numb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x5aa h21 y3ed4 ff1 fs5 fc5 sc0 ls0 ws0\">(years)<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3ed6 ff1 fs6 fc4 sc0 lsc4 ws26\">Sharesave Scheme<span class=\"_ _da\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x481 hf y3ed7 ff2 fs6 fc4 sc0 ls0 ws0\">229\u2013429 penc<span class=\"_ _3\"></span>e  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3ed8 w317 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">(2023: 229\u20134<span class=\"_ _0\"></span>29 p<span class=\"_ _3\"></span>ence)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ab y3ed9 w318 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls119 ws1a\">2,935,7<span class=\"_ _0\"></span>29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ac y3ed9 w319 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ad y3ed8 w31a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls24 ws132\">2<span class=\"_ _3\"></span>,8<span class=\"_ _3\"></span>01,5<span class=\"_ _3\"></span>87<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ae y3ed8 w31b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3eda ff1 fs6 fc4 sc0 ls121 wsb9\">Deferred Share Bon<span class=\"_ _0\"></span>us Plan<span class=\"_ _27e\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e9e w31c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Nil<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5af y3e96 w31d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls24 ws132\">9<span class=\"_ _3\"></span>44,795<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b0 y3e96 w31e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b1 y3e9e w31f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls131 ws137\">8<span class=\"_ _1\"></span>95<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>62<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b2 y3e9e w320 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3edb ff1 fs6 fc4 sc0 lsc4 ws26\">Performance Share Plan<span class=\"_ _1cb\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3e53 w31c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Nil<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b3 y3e4e w321 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">8,564,<span class=\"_ _0\"></span>430<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b4 y3e4e w322 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">2.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b5 y3e53 w323 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsee wse9\">6<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b6 y3e53 w324 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b7 y3e55 w325 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1e ws1d\">12,444,<span class=\"_ _0\"></span>954<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b8 y3e55 w232 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5b9 y3d5a w326 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">10,<span class=\"_ _0\"></span>444,<span class=\"_ _0\"></span>017<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ba y3d5a w327 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs3b9\">Sharesave Scheme<span class=\"_ _35a\"> </span></div><div class=\"gs3ba\"><table class=\"s w2d4 hdf\" id=\"_cacf8c76-70f6-4d8d-9054-6dd334b57957\"><tr><td></td><td class=\"c n x55e y3ec5 w282 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x55f y3ec5 w2d5 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x560 y3ec5 w2d6 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2022<span class=\"_ _35a\"> </span></div></td><td class=\"c n x561 y3ec5 w2d7 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2021<span class=\"_ _35a\"> </span></div></td><td class=\"c n x562 y3ec5 w2d8 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2020<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x563 y3ec5 w2d9 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2019<span class=\"_ _35a\"> </span></div></td><td class=\"c n x564 y3ec5 w2da hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">2018<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3ec6 ff2 fs6 fc4 sc0 ls0 ws0\">Contractu<span class=\"_ _3\"></span>al life, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3ec7 w2db hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">year<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x565 y3ec8 w2dc hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x566 y3ec7 w2dd hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x567 y3ec7 w2de hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x568 y3ec7 w2dd hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x569 y3ec7 w2dd hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56a y3ec7 w2df hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56b y3ec7 w2df hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56c y3ec7 w2e0 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e79 w2e1 he0\"><div class=\"t m1 x247 hf y3e85 ff2 fs6 fc4 sc0 ls0 ws0\">Share pri<span class=\"_ _3\"></span>ce at<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls17 ws13\">is<span class=\"_ _3\"></span>sue, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56d y3ec9 w196 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls23 ws22\">3<span class=\"_ _3\"></span>.70<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56e y3e79 w2e2 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.4<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x56f y3e79 w2e3 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.36<span class=\"_ _35a\"> </span></div></td><td class=\"c n x570 y3e79 w2e4 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">5<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x571 y3e79 w2e5 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls61 ws5d\">2.86<span class=\"_ _35a\"> </span></div></td><td class=\"c n x572 y3e79 w2e6 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls61 ws5d\">2.86<span class=\"_ _35a\"> </span></div></td><td class=\"c n x573 y3e79 w2e7 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls101 ws6f\">3.32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x574 y3e79 w2e8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">4<span class=\"_ _3\"></span>.19<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e7c w2e9 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls69 ws1e\">Exercise price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x575 y3eca w2ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _1\"></span>.96<span class=\"_ _35a\"> </span></div></td><td class=\"c n x576 y3e7c w223 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls15 ws18\">2.72<span class=\"_ _35a\"> </span></div></td><td class=\"c n x577 y3e7c w2eb hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x578 y3e7c w2ec hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x579 y3e7c w2ed hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57a y3e7c w2ee hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls32 ws30\">2.2<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57b y3e7c w2ef hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls32 ws30\">2.6<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57c y3e7c w2f0 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ecb w2f1 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>cted vol<span class=\"_ _3\"></span>atility, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57d y3e7e w184 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">5<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57e y3ecb w2f2 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls13 ws11\">46.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x57f y3ecb w2f3 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x580 y3ecb w2f4 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x581 y3ecb w2f5 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x582 y3ecb w2f6 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x583 y3ecb w2f7 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>1.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x584 y3ecb w2f8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls130 ws136\">16.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e4b w2f9 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Risk<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>fre<span class=\"_ _3\"></span>e rate, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x585 y3e4c w2fa hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">3<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x586 y3e4b w2fb hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x587 y3e4b w2fc hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls62 ws5e\">5.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x588 y3e4b w2fd hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x589 y3e4b w2fe hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58a y3e4b w2ff hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58b y3e4b w300 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58c y3e4b w301 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ecc w302 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsc4 ws26\">Dividend yield,<span class=\"_ _0\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58d y3ecd w303 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58e y3ecc w304 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lsec wse6\">9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x58f y3ecc w305 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _18\"> </span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x590 y3ecc w306 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse8 wse3\">4.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x591 y3ecc w307 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x592 y3ecc w308 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls101 ws6f\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x593 y3ecc w309 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse8 wse3\">4.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x594 y3ecc w30a hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 hf y3ece ff2 fs6 fc4 sc0 ls0 ws0\">Grant date  </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w30b hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">fair value, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x595 y3e01 w30c hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1e ws1d\">1.<span class=\"_ _3\"></span>28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x596 y3d5a w30d hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>85<span class=\"_ _35a\"> </span></div></td><td class=\"c n x597 y3d5a w30e hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.6<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x598 y3d5a w30f hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x599 y3d5a w310 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">1.2<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x59a y3d5a w311 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls101 ws6f\">1.34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x59b y3d5a w312 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x59c y3d5a w313 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3bc\">The Sharesav<span class=\"_ _0\"></span>e Schemes are not entitled to dividends betw<span class=\"_ _0\"></span>een the option and exer<span class=\"_ _0\"></span>cise date.  </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3bd\">A Black Scholes model is used to determine the gr<span class=\"_ _0\"></span>ant date fair v<span class=\"_ _0\"></span>alue with two inputs:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3be\">\u2022 <span class=\"_ _15\"> </span>Expected volatility - fr<span class=\"_ _0\"></span>om 2019<span class=\"_ _2\"></span>, the expected v<span class=\"_ _0\"></span>olatility is based on the Company\u2019<span class=\"_ _0\"></span>s share </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3bf\">price. Prior to this the Gr<span class=\"_ _0\"></span>oup used the FTSE 350 diver<span class=\"_ _0\"></span>sified financials volatility as insufficient </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c0\">hist<span class=\"_ _0\"></span>ory was available for the Company<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s share price.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c1\">\u2022 <span class=\"_ _15\"> </span>Risk-<span class=\"_ _0\"></span>free rat<span class=\"_ _0\"></span>e \u2013 based on long-term Gov<span class=\"_ _0\"></span>ernment bonds.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c2\">\u2022 <span class=\"_ _15\"> </span>Dividend yield \u2013 based on the aver<span class=\"_ _0\"></span>age dividend yield across external analys<span class=\"_ _0\"></span>t reports for the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c3\">quarter prior to scheme gran<span class=\"_ _0\"></span>t date.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls108 ws105 gs3c4\">Deferred Share Bonus Plan</div><div class=\"gs3c5\"><table class=\"s w328 he2\" id=\"_9c5f202c-0d3e-4613-a037-634e20725bd1\"><tr><td></td><td class=\"t m1 x5bb h21 y3edc ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _54\"> </span><span class=\"lsa5 wsa2\"> 20<span class=\"_ _3\"></span>20<span class=\"_ _35a\"> </span></span></td></tr><tr><td class=\"c n x248 y3e9e w329 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Contractu<span class=\"_ _3\"></span>al life, years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bc y3e9e w2de hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e51 w32a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Mid-market share price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bd y3e51 w32b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls32 ws30\">2.58<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w32c hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 lsc4 ws26\">Dividend yield,<span class=\"_ _0\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5be y3dfe w1cb hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls68 ws14\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w32d hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Grant date fair value, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bf y3d5a w32e hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls32 ws30\">2.2<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c6\">For aw<span class=\"_ _0\"></span>ards gran<span class=\"_ _0\"></span>ted from 2021, ther<span class=\"_ _0\"></span>e are no further per<span class=\"_ _3\"></span>formance or v<span class=\"_ _0\"></span>esting conditions </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c7\">attached to de<span class=\"_ _0\"></span>ferred aw<span class=\"_ _0\"></span>ards<span class=\"_ _0\"></span>, for further details see DSBP abov<span class=\"_ _0\"></span>e.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c8\">For DSBP aw<span class=\"_ _0\"></span>ards where conditions e<span class=\"_ _0\"></span>xist, these schemes carry no right<span class=\"_ _0\"></span>s to dividend equivalents </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3c9\">and a Black Scholes model is used to determine the gr<span class=\"_ _0\"></span>ant date fair v<span class=\"_ _0\"></span>alue with a dividend yield </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3ca\">input applied \u2013 based on the aver<span class=\"_ _0\"></span>age dividend yield across ext<span class=\"_ _0\"></span>ernal analyst reports for the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3cb\">quarter prior to scheme gran<span class=\"_ _0\"></span>t date. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs3cc\">Per<span class=\"_ _3\"></span>formance S<span class=\"_ _3\"></span>hare Plan<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3cd\">Non-mark<span class=\"_ _0\"></span>et performance conditions also exis<span class=\"_ _0\"></span>t for the scheme, notably that a participant is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3ce\">employed by the Company ov<span class=\"_ _0\"></span>er the performance period with good leaver ex<span class=\"_ _0\"></span>ceptions, and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3cf\">an attrition rate is applie<span class=\"_ _0\"></span>d as an estimate of the actual number o<span class=\"_ _0\"></span>f awar<span class=\"_ _0\"></span>ds that will meet the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d0\">related conditions at the v<span class=\"_ _0\"></span>esting date<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d1\">The aw<span class=\"_ _0\"></span>ards are not entitle<span class=\"_ _0\"></span>d to a dividend equivalent betw<span class=\"_ _0\"></span>een grant dat<span class=\"_ _0\"></span>e and vesting and a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d2\">Black Scholes model is used to determine the gr<span class=\"_ _0\"></span>ant date fair v<span class=\"_ _0\"></span>alue with a dividend yield input </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d3\">applied \u2013 based on the aver<span class=\"_ _0\"></span>age dividend yield across ext<span class=\"_ _0\"></span>ernal analyst reports for the quarter </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d4\">prior to the scheme gran<span class=\"_ _0\"></span>t date. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d5\">The fair value o<span class=\"_ _0\"></span>f the por<span class=\"_ _3\"></span>tion of aw<span class=\"_ _0\"></span>ards that is subject to mark<span class=\"_ _0\"></span>et conditions (i.<span class=\"_ _0\"></span>e. the relativ<span class=\"_ _0\"></span>e TSR </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d6\">element of the PSP<span class=\"_ _0\"></span>) is determined at the grant dat<span class=\"_ _0\"></span>e using a Monte Carlo model.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3d8\">The inputs into the mo<span class=\"_ _0\"></span>dels are as follow<span class=\"_ _0\"></span>s:<span class=\"_ _35a\"> </span></div><div class=\"gs3d9\"><table class=\"s w32f he3\" id=\"_a0f0ab1a-f2a0-4f0d-82e2-eba9757e80b6\"><tr><td></td><td class=\"c n x5c0 y3edd w2d6 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c1 y3edd w265 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c2 y3edd w2d6 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2022<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c3 y3edd w2d7 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2021<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c4 y3edd w330 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">2020<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ede w331 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Contractu<span class=\"_ _3\"></span>al life, years<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c5 y3ebe w332 hc2\"><div class=\"t m1 x247 hf y3edf ff1 fs0 fc4 sc0 ls70 ws6c\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c6 y3ebe w333 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c7 y3ebe w334 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _1\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c8 y3ebe w335 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5c9 y3ebe w333 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>\u20137<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eb4 w32a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Mid-market share price, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ca y3ee0 w336 hc2\"><div class=\"t m1 x247 hf y3edf ff1 fs0 fc4 sc0 ls0 ws0\">3.86<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cb y3ee0 w337 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 ls0 ws0\">5.01<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cc y3ee0 w338 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd2 wsd1\">5.58<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cd y3ee0 w339 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ce y3ee0 w33a hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd8 ws5c\">2.58<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ee1 w33b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Attrition ra<span class=\"_ _3\"></span>te, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5cf y3e8b w33c hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d0 y3e8b w33d hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d1 y3e8b w290 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscd wscc\">6.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d2 y3e8b w33e hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">12.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d3 y3e8b w33f hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ee2 w2f1 hd5\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>cted vol<span class=\"_ _3\"></span>atility, %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d4 y3ee4 w340 he4\"><div class=\"t m1 x247 hf y3ee3 ff1 fs0 fc4 sc0 lsc3 wsc1\">4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d5 y3ee4 w341 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d6 y3ee4 w342 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d7 y3ee4 w343 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls4 wsc8\">5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d8 y3ee4 w344 he4\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w302 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lsc4 ws26\">Dividend yield,<span class=\"_ _0\"></span> %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5d9 y3ee5 w345 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5da y3ee5 w346 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsce ws70\">8<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5db y3ee5 w347 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls28 ws43\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5dc y3ee5 w348 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5dd y3ee5 w349 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsfa wsf8\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w34a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Vesting rate \u2013 TSR %<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5de y3e90 w34b hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsd3 ws2\">33.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5df y3e90 w34c hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">62.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e0 y3e90 w34d hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">32.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e1 y3e90 w34e hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd8 ws5c\">40.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e2 y3e90 w34f hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w350 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Grant date fair value, \u00a3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e3 y3e55 w351 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsc8 ws29\">2.5<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e4 y3e55 w352 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">3.08<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e5 y3e55 w353 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls28 ws43\">4.<span class=\"_ _3\"></span>64<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e6 y3e55 w354 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls28 ws43\">4.<span class=\"_ _3\"></span>26<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e7 y3e55 w355 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">2.06<span class=\"_ _35a\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-541": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws17c gs3db\">11. T<span class=\"_ _0\"></span>ax<span class=\"_ _0\"></span>ation<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3dc\">The Group publishes its tax s<span class=\"_ _0\"></span>trate<span class=\"_ _0\"></span>gy on its corporate w<span class=\"_ _0\"></span>ebsite. The table belo<span class=\"_ _0\"></span>w shows the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3dd\">components of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s tax charge for the year:<span class=\"_ _35a\"> </span></div><div class=\"gs3de\"><table class=\"s w356 he5\" id=\"_ae7a5a9c-e20a-4528-b293-ebe4c5d4b3fc\"><tr><td></td><td class=\"t m1 x47d h21 y3ee6 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3ee6 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3ee7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3ee7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3ee8 ff1 fs6 fc4 sc0 ls121 wsb9\">Curren<span class=\"_ _0\"></span>t tax<span class=\"_ _287\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3ee9 w357 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls69 ws1e\">Corporation tax<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e8 y3eea w358 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">110.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5e9 y3ee9 w359 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1e ws1d\">105.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3eeb w35a hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Corp<span class=\"_ _3\"></span>oration tax - prio<span class=\"_ _3\"></span>r year adjus<span class=\"_ _3\"></span>tments</div><div class=\"t m1 x5ea h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5eb y3eec w35b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">(<span class=\"_ _3\"></span>4.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ec y3eed w35c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">(0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3eee w35d hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal curre<span class=\"_ _3\"></span>nt tax charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ed y3eee w35e hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls1c ws1b\">10<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ee y3eef w35f hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls59 wsde\">105.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3ef0 ff1 fs6 fc4 sc0 ls121 wsb9\">Deferred tax<span class=\"_ _28a\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3ebf w360 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lsd4 ws24\">Deferred tax<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ef y3ec0 w333 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">5.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f0 y3ebf w361 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3ef2 w362 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Defe<span class=\"_ _3\"></span>rred tax \u2013 prior y<span class=\"_ _3\"></span>ear adjus<span class=\"_ _3\"></span>tments</div><div class=\"t m1 x5f1 h20 y3ef1 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f2 y3ec2 w363 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">5.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f3 y3e8c w1c8 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e8d w364 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Rele<span class=\"_ _3\"></span>ase of defer<span class=\"_ _3\"></span>red tax on CCFS Com<span class=\"_ _3\"></span>bination</div><div class=\"t m1 x5f4 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x504 y3e96 w365 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls20 ws1f\">(6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f5 y3ef3 w366 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse8 wse3\">(14.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e52 w367 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls121 wsb9\">T<span class=\"_ _0\"></span>ota<span class=\"_ _0\"></span>l deferred tax<span class=\"_ _0\"></span> charge/<span class=\"_ _2\"></span>(credi<span class=\"_ _0\"></span>t)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f6 y3e52 w368 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f7 y3e60 w369 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls21 ws20\">(<span class=\"_ _3\"></span>13<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e01 w36a hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal tax char<span class=\"_ _3\"></span>ge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f8 y3e01 w36b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">110<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f9 y3d5a w36c hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls14 ws12\">9<span class=\"_ _3\"></span>1.7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3df\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Inc<span class=\"_ _3\"></span>lude<span class=\"_ _3\"></span>s a pri<span class=\"_ _3\"></span>or ye<span class=\"_ _3\"></span>ar adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nt be<span class=\"_ _3\"></span>twe<span class=\"_ _3\"></span>en de<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed tax (deb<span class=\"_ _3\"></span>it of \u00a35<span class=\"_ _3\"></span>.5m) and cu<span class=\"_ _3\"></span>rrent ta<span class=\"_ _3\"></span>x (credit o<span class=\"_ _3\"></span>f \u00a35.5<span class=\"_ _3\"></span>m) due to full<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e0\">exp<span class=\"_ _3\"></span>ensi<span class=\"_ _3\"></span>ng tax re<span class=\"_ _3\"></span>lief c<span class=\"_ _3\"></span>laim<span class=\"_ _3\"></span>s made i<span class=\"_ _3\"></span>n the 202<span class=\"_ _3\"></span>3 tax retu<span class=\"_ _3\"></span>rns. A f<span class=\"_ _3\"></span>urt<span class=\"_ _3\"></span>her de<span class=\"_ _3\"></span>bit of \u00a3<span class=\"_ _3\"></span>0.7m in curre<span class=\"_ _3\"></span>nt tax re<span class=\"_ _3\"></span>late<span class=\"_ _3\"></span>s to othe<span class=\"_ _3\"></span>r prio<span class=\"_ _3\"></span>r </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e1\">ye<span class=\"_ _3\"></span>ar adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nts (202<span class=\"_ _3\"></span>3: \u00a30.4m of othe<span class=\"_ _3\"></span>r prio<span class=\"_ _3\"></span>r year a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>tmen<span class=\"_ _3\"></span>ts).<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e2\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Re<span class=\"_ _3\"></span>lea<span class=\"_ _3\"></span>se of de<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed tax o<span class=\"_ _3\"></span>n CCFS Co<span class=\"_ _3\"></span>mbin<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n rela<span class=\"_ _3\"></span>tes to th<span class=\"_ _3\"></span>e unwin<span class=\"_ _3\"></span>d of the d<span class=\"_ _3\"></span>eferr<span class=\"_ _3\"></span>ed tax l<span class=\"_ _3\"></span>iabili<span class=\"_ _3\"></span>ties r<span class=\"_ _3\"></span>eco<span class=\"_ _3\"></span>gnis<span class=\"_ _3\"></span>ed on t<span class=\"_ _3\"></span>he fair<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e3\">valu<span class=\"_ _3\"></span>e adjus<span class=\"_ _3\"></span>tme<span class=\"_ _3\"></span>nts of th<span class=\"_ _3\"></span>e CCFS as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s and li<span class=\"_ _3\"></span>abili<span class=\"_ _3\"></span>ties a<span class=\"_ _3\"></span>t the ac<span class=\"_ _3\"></span>quis<span class=\"_ _3\"></span>ition d<span class=\"_ _3\"></span>ate \u00a3(6.3)<span class=\"_ _3\"></span>m (2023: \u00a3(14.3)m).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3e5\">The charge f<span class=\"_ _0\"></span>or taxation on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>fit before tax<span class=\"_ _0\"></span>ation dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>s from the charge based on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3e6\">the weigh<span class=\"_ _0\"></span>ted aver<span class=\"_ _0\"></span>age standar<span class=\"_ _0\"></span>d rate of UK Corpor<span class=\"_ _0\"></span>ation T<span class=\"_ _0\"></span>ax of 2<span class=\"_ _0\"></span>5% (2023: 23.<span class=\"_ _0\"></span>5%) as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"gs3b2\"><table class=\"s w36d he6\" id=\"_d64fe601-ba4c-4f59-b71b-05afbd81f882\"><tr><td></td><td class=\"t m1 x45b h21 y3ef4 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3ef4 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3ef5 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3ef5 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3ef6 w36e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profit before taxatio<span class=\"_ _3\"></span>n<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5fa y3ef7 w36f hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">41<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5fb y3ef6 w370 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">37<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3ef8 ff2 fs6 fc4 sc0 ls0 ws0\">Profit multiplie<span class=\"_ _3\"></span>d by the stand<span class=\"_ _3\"></span>ard rate of UK Corp<span class=\"_ _3\"></span>oration T<span class=\"_ _0\"></span>ax </td><td></td><td></td></tr><tr><td class=\"c n x248 y3ef9 w371 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">25.0% (2023: 23.5%<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5fc y3efa w372 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">104.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5fd y3ef9 w373 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls1f ws61\">8<span class=\"_ _3\"></span>8.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3efb w374 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Bank surch<span class=\"_ _3\"></span>arge</div><div class=\"t m1 x5fe h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c9 y3efc w375 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ff y3efd w30a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3efe ff1 fs6 fc4 sc0 ls63 ws5f\">T<span class=\"_ _0\"></span>ax<span class=\"_ _0\"></span> effects of:<span class=\"_ _a9\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3eff w376 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>nses n<span class=\"_ _3\"></span>ot deductib<span class=\"_ _3\"></span>le for tax purpo<span class=\"_ _3\"></span>ses<span class=\"_ _35a\"> </span></div></td><td class=\"c n x600 y3f00 w377 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x601 y3eff w378 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f01 w379 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Se<span class=\"_ _3\"></span>curitisatio<span class=\"_ _3\"></span>n profits not taxable</div><div class=\"t m1 x4dd h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3f02 w37a hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x602 y3f03 w37b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">(2.<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f04 w37c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Timin<span class=\"_ _3\"></span>g difference<span class=\"_ _3\"></span>s on capital item<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x603 y3f05 w37d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">(<span class=\"_ _1\"></span>5.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x604 y3f04 w37e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">(0.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f06 w37f hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Utilisati<span class=\"_ _3\"></span>on of brought for<span class=\"_ _3\"></span>ward tax los<span class=\"_ _3\"></span>ses<span class=\"_ _35a\"> </span></div></td><td class=\"c n x605 y3f07 w380 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x606 y3f06 w381 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">(0.3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f08 w382 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax adjustm<span class=\"_ _3\"></span>ents in resp<span class=\"_ _3\"></span>ect of share<span class=\"_ _3\"></span>-based p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x607 y3f09 w383 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x608 y3f08 w384 hc1\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f0a w385 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Fair value adjus<span class=\"_ _3\"></span>tments on a<span class=\"_ _3\"></span>cquisition</div><div class=\"t m1 x609 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c9 y3f0b w386 hca\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x60a y3f0c w387 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">1<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f0d w388 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Adjustm<span class=\"_ _3\"></span>ents in resp<span class=\"_ _3\"></span>ect of e<span class=\"_ _3\"></span>arlier year<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x60b y3f0e w389 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">(<span class=\"_ _3\"></span>4.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x60c y3f0d w35c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f0f w38a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax on coup<span class=\"_ _3\"></span>on paid on A<span class=\"_ _0\"></span>T1 se<span class=\"_ _3\"></span>curities</div><div class=\"t m1 x60d h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c6 y3f10 w38b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1b ws17\">(2<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x60e y3f11 w38c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>2.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f12 w35d hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal curre<span class=\"_ _3\"></span>nt tax charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ed y3f12 w35e hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls1c ws1b\">10<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5ee y3f13 w35f hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls59 wsde\">105.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f14 w38d hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ents in deferre<span class=\"_ _3\"></span>d taxes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x60f y3f15 w38e hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">5.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x610 y3f14 w38f hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f16 w390 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Defe<span class=\"_ _3\"></span>rred tax \u2013 prior y<span class=\"_ _3\"></span>ear adjus<span class=\"_ _3\"></span>tments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x611 y3f17 w27d hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls59 wsde\">5.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x612 y3f16 w1c8 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f18 w391 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Rele<span class=\"_ _3\"></span>ase of defer<span class=\"_ _3\"></span>red tax on CCFS Com<span class=\"_ _3\"></span>bination</div><div class=\"t m1 x613 h20 y3e6f ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cc y3e52 w365 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls20 ws1f\">(6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x614 y3e60 w392 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse8 wse3\">(14.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfd w393 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls121 wsb9\">T<span class=\"_ _0\"></span>ota<span class=\"_ _0\"></span>l deferred tax<span class=\"_ _0\"></span> charge/<span class=\"_ _2\"></span>(credi<span class=\"_ _0\"></span>t)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x615 y3dfd w394 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5f7 y3dfe w395 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls21 ws20\">(<span class=\"_ _3\"></span>13<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e28 w396 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal tax char<span class=\"_ _3\"></span>ge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x616 y3e28 w397 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls12 ws10\">110<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x617 y3d5a w36c hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">9<span class=\"_ _3\"></span>1.7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e7\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>ax c<span class=\"_ _3\"></span>harg<span class=\"_ _3\"></span>e for the t<span class=\"_ _3\"></span>wo b<span class=\"_ _3\"></span>ankin<span class=\"_ _3\"></span>g entit<span class=\"_ _3\"></span>ies of \u00a3<span class=\"_ _3\"></span>7<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m (2023: \u00a3<span class=\"_ _3\"></span>10.6<span class=\"_ _3\"></span>m) offset b<span class=\"_ _3\"></span>y the ta<span class=\"_ _3\"></span>x impa<span class=\"_ _3\"></span>ct of unw<span class=\"_ _3\"></span>indin<span class=\"_ _3\"></span>g CCFS </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e8\">Co<span class=\"_ _3\"></span>mbina<span class=\"_ _3\"></span>tion i<span class=\"_ _3\"></span>tems of \u00a3<span class=\"_ _3\"></span>0.8m (20<span class=\"_ _3\"></span>23: \u00a32.<span class=\"_ _3\"></span>2m)<span class=\"_ _0\"></span>. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3e9\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>S<span class=\"_ _3\"></span>ecur<span class=\"_ _3\"></span>itis<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n comp<span class=\"_ _3\"></span>anie<span class=\"_ _3\"></span>s are tax<span class=\"_ _3\"></span>ed in ac<span class=\"_ _3\"></span>cor<span class=\"_ _3\"></span>danc<span class=\"_ _3\"></span>e with t<span class=\"_ _3\"></span>he T<span class=\"_ _0\"></span>axa<span class=\"_ _3\"></span>tion o<span class=\"_ _3\"></span>f Sec<span class=\"_ _3\"></span>uriti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on Co<span class=\"_ _3\"></span>mpan<span class=\"_ _3\"></span>ies Re<span class=\"_ _3\"></span>gula<span class=\"_ _3\"></span>tion 2<span class=\"_ _3\"></span>006, s<span class=\"_ _3\"></span>uch </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3ea\">tha<span class=\"_ _3\"></span>t they ar<span class=\"_ _3\"></span>e subje<span class=\"_ _3\"></span>ct to ta<span class=\"_ _3\"></span>x on the<span class=\"_ _3\"></span>ir retai<span class=\"_ _3\"></span>ned p<span class=\"_ _3\"></span>rofits r<span class=\"_ _3\"></span>athe<span class=\"_ _3\"></span>r than th<span class=\"_ _3\"></span>eir tax a<span class=\"_ _3\"></span>djus<span class=\"_ _3\"></span>ted pr<span class=\"_ _3\"></span>ofit be<span class=\"_ _3\"></span>fore tax<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws146 gs3eb\">3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he unw<span class=\"_ _3\"></span>indin<span class=\"_ _3\"></span>g of the fa<span class=\"_ _3\"></span>ir valu<span class=\"_ _3\"></span>e adjus<span class=\"_ _3\"></span>tme<span class=\"_ _3\"></span>nts of th<span class=\"_ _3\"></span>e CCFS as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s and li<span class=\"_ _3\"></span>abilit<span class=\"_ _3\"></span>ies a<span class=\"_ _3\"></span>cquir<span class=\"_ _3\"></span>ed as p<span class=\"_ _3\"></span>ar<span class=\"_ _3\"></span>t of the CC<span class=\"_ _3\"></span>FS comb<span class=\"_ _3\"></span>inat<span class=\"_ _3\"></span>ion </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3ec\">are no<span class=\"_ _3\"></span>t dedu<span class=\"_ _3\"></span>ctib<span class=\"_ _3\"></span>le for t<span class=\"_ _3\"></span>ax purp<span class=\"_ _3\"></span>os<span class=\"_ _3\"></span>es. A de<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed tax li<span class=\"_ _3\"></span>abili<span class=\"_ _3\"></span>ty has b<span class=\"_ _3\"></span>een r<span class=\"_ _3\"></span>eco<span class=\"_ _3\"></span>gnis<span class=\"_ _3\"></span>ed in re<span class=\"_ _3\"></span>lat<span class=\"_ _3\"></span>ion to th<span class=\"_ _3\"></span>ese am<span class=\"_ _3\"></span>ount<span class=\"_ _3\"></span>s whic<span class=\"_ _3\"></span>h is </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3ed\">rel<span class=\"_ _3\"></span>eas<span class=\"_ _3\"></span>ed as th<span class=\"_ _3\"></span>ey unw<span class=\"_ _3\"></span>ind. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs3ee\">4. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>Th<span class=\"_ _3\"></span>e Group h<span class=\"_ _3\"></span>as is<span class=\"_ _3\"></span>sued AT1 cap<span class=\"_ _3\"></span>ital ins<span class=\"_ _3\"></span>trum<span class=\"_ _3\"></span>ent<span class=\"_ _3\"></span>s that are c<span class=\"_ _3\"></span>las<span class=\"_ _3\"></span>sifie<span class=\"_ _3\"></span>d as Hy<span class=\"_ _3\"></span>brid C<span class=\"_ _3\"></span>apita<span class=\"_ _3\"></span>l Ins<span class=\"_ _3\"></span>trume<span class=\"_ _3\"></span>nts (<span class=\"_ _3\"></span>HCI<span class=\"_ _3\"></span>) for ta<span class=\"_ _3\"></span>x purp<span class=\"_ _3\"></span>ose<span class=\"_ _3\"></span>s. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs3ef\">The coupons paid<span class=\"_ _0\"></span> under HCI are<span class=\"_ _0\"></span> deductible under<span class=\"_ _0\"></span> UK tax legislation<span class=\"_ _0\"></span> despite being cha<span class=\"_ _0\"></span>rged to equi<span class=\"_ _0\"></span>ty.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs3f1\">Factor<span class=\"_ _3\"></span>s aff<span class=\"_ _3\"></span>ecting ta<span class=\"_ _3\"></span>x charge fo<span class=\"_ _3\"></span>r the year<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f2\">The st<span class=\"_ _0\"></span>andard rate o<span class=\"_ _0\"></span>f UK corporation tax applicable in the period w<span class=\"_ _0\"></span>as 25<span class=\"_ _0\"></span>.0% (2<span class=\"_ _0\"></span>023: 23.<span class=\"_ _0\"></span>5%). </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f3\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s banking entities also pay the bank sur<span class=\"_ _0\"></span>charge at 3.<span class=\"_ _0\"></span>0% (202<span class=\"_ _0\"></span>3: 4.2<span class=\"_ _0\"></span>5%) on combined </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f4\">profit<span class=\"_ _0\"></span>s for the full year abov<span class=\"_ _0\"></span>e \u00a3<span class=\"_ _3\"></span>100<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m (2023: \u00a381.3m).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f5\">The effective tax r<span class=\"_ _0\"></span>ate for the year ended 31 December 2024<span class=\"_ _0\"></span>, e<span class=\"_ _0\"></span>xcluding the impact of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f6\">adjustmen<span class=\"_ _0\"></span>ts in respect of earlier year<span class=\"_ _0\"></span>s and the deferre<span class=\"_ _0\"></span>d tax rate change<span class=\"_ _0\"></span>, was 26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1% (2023: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f7\">24<span class=\"_ _0\"></span>.6%). This is higher than the st<span class=\"_ _0\"></span>andard rat<span class=\"_ _0\"></span>e of UK corporation tax<span class=\"_ _0\"></span>, principally due to the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f8\">impact of the bank surchar<span class=\"_ _0\"></span>ge payable by the two banking entities<span class=\"_ _0\"></span>, offset by the impact of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3f9\">sw<span class=\"_ _0\"></span>ap movemen<span class=\"_ _0\"></span>ts in securitisation companies that are not subject to tax<span class=\"_ _0\"></span>, and deductions </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs3fa\">available for the coupon paid on A<span class=\"_ _2\"></span>T1 instruments that ar<span class=\"_ _0\"></span>e charged to equity.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs3fb\">Factor<span class=\"_ _3\"></span>s that may af<span class=\"_ _3\"></span>fe<span class=\"_ _3\"></span>ct future tax ch<span class=\"_ _3\"></span>arges<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs3fc\">During 2023 the Or<span class=\"_ _0\"></span>ganisation for Economic Cooperation and De<span class=\"_ _0\"></span>velopment (OECD<span class=\"_ _0\"></span>) Inclusive </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs3fd\">Frame<span class=\"_ _0\"></span>work Pillar 2 rules in the UK, including a Qualified Domes<span class=\"_ _0\"></span>tic Minimum T<span class=\"_ _0\"></span>op-Up T<span class=\"_ _2\"></span>ax rule, wer<span class=\"_ _0\"></span>e<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs3fe\">enacted. This legislation seek<span class=\"_ _0\"></span>s to ensure that UK heade<span class=\"_ _0\"></span>d multinational groups pay a minimum tax </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs3ff\">rate o<span class=\"_ _0\"></span>f 15 per cent on UK and ov<span class=\"_ _0\"></span>erseas profit<span class=\"_ _0\"></span>s arising after 31 December 2023. Given the he<span class=\"_ _0\"></span>adline<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs400\">tax rat<span class=\"_ _0\"></span>es in the countries that the Group operat<span class=\"_ _0\"></span>es in, and the nature of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s business in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs401\">those countries<span class=\"_ _0\"></span>, these rules are not currently e<span class=\"_ _0\"></span>xpected to have any impact on the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs402\">Deferred tax<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> asset<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs403\">The table belo<span class=\"_ _0\"></span>w shows mov<span class=\"_ _0\"></span>ements on def<span class=\"_ _0\"></span>erred tax asset during the year<span class=\"_ _2\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"gs404\"><table class=\"s w398 he7\" id=\"_2c9850fd-2cb0-4791-865a-a32bcfa84220\"><tr><td></td><td class=\"t m1 x618 h21 y3f19 ff1 fs5 fc5 sc0 ls0 ws0\">Share-based </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5a3 h21 y3f1a ff1 fs5 fc5 sc0 ls0 ws0\">payments<span class=\"_ _35a\"> </span></td><td class=\"c x61a y3f1c w399 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Others</div><div class=\"t m1 x619 h39 y3f1b ff1 fs1e fc5 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x47e h21 y3f1a ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x61b h21 y3f1d ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47f h21 y3f1d ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f1d ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f1e w39a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61c y3f1e w39b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse8 wse3\">4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61d y3f1e w39c hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61e y3f1e w39d hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls68 ws14\">6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f1f w39e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>charge)/<span class=\"_ _2\"></span>cre<span class=\"_ _3\"></span>dit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61f y3f1f w39f hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x620 y3f1f w3a0 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x621 y3f1f w3a1 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">(0.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f20 w3a2 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransferre<span class=\"_ _3\"></span>d from Defe<span class=\"_ _3\"></span>rred tax liability</div><div class=\"t m1 x622 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x623 y3f21 w1c8 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x624 y3f21 w3a3 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x625 y3f21 w3a4 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f22 w3a5 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax tak<span class=\"_ _0\"></span>en dire<span class=\"_ _3\"></span>ctly to OC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></div></td><td class=\"c n x626 y3f22 w1c8 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x627 y3f22 w3a6 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 lsea wse5\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x628 y3f22 w3a7 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 lsea wse5\">0.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f23 w3a8 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax tak<span class=\"_ _0\"></span>en dire<span class=\"_ _3\"></span>ctly to equity<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x629 y3f23 w3a9 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62a y3f23 w3a9 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f24 w3aa hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62b y3f24 w3ab hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62c y3f24 w3ac hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62d y3f24 w3ad hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f25 w39e hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>charge)/<span class=\"_ _2\"></span>cre<span class=\"_ _3\"></span>dit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62e y3f25 w3ae hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62f y3f25 w3af hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x630 y3f25 w3b0 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f26 w3b1 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransferre<span class=\"_ _3\"></span>d to Deferre<span class=\"_ _3\"></span>d tax liability</div><div class=\"t m1 x631 h20 y3ef1 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x623 y3f27 w1c8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x632 y3f27 w3b2 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls1f ws61\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x633 y3f27 w3b3 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls1f ws61\">1.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f28 w3a8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax tak<span class=\"_ _0\"></span>en dire<span class=\"_ _3\"></span>ctly to equity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x634 y3f28 w3a6 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x635 y3f28 w1c8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x636 y3f28 w3b4 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w3b5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x637 y3d5a w3b6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x638 y3d5a w3b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x639 y3d5a w3b8 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.2<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs405\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ot<span class=\"_ _3\"></span>her<span class=\"_ _3\"></span>s inclu<span class=\"_ _3\"></span>de de<span class=\"_ _3\"></span>ferre<span class=\"_ _3\"></span>d taxat<span class=\"_ _3\"></span>ion as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n IFRS 9 t<span class=\"_ _3\"></span>ransi<span class=\"_ _3\"></span>tion<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nts, l<span class=\"_ _3\"></span>oss<span class=\"_ _3\"></span>es ca<span class=\"_ _3\"></span>rrie<span class=\"_ _3\"></span>d for<span class=\"_ _3\"></span>ward a<span class=\"_ _3\"></span>nd </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs406\">accelerated depreciat<span class=\"_ _0\"></span>ion.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs407\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>\u00a3<span class=\"_ _3\"></span>1.0m re<span class=\"_ _3\"></span>lati<span class=\"_ _3\"></span>ng to ac<span class=\"_ _3\"></span>cel<span class=\"_ _3\"></span>erate<span class=\"_ _3\"></span>d dep<span class=\"_ _3\"></span>rec<span class=\"_ _3\"></span>iatio<span class=\"_ _3\"></span>n prev<span class=\"_ _3\"></span>iou<span class=\"_ _3\"></span>sly sh<span class=\"_ _3\"></span>own wi<span class=\"_ _3\"></span>thin th<span class=\"_ _3\"></span>e defe<span class=\"_ _3\"></span>rred t<span class=\"_ _3\"></span>ax ass<span class=\"_ _3\"></span>et ha<span class=\"_ _3\"></span>s bee<span class=\"_ _3\"></span>n trans<span class=\"_ _3\"></span>fer<span class=\"_ _3\"></span>red to th<span class=\"_ _3\"></span>e </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs408\">def<span class=\"_ _3\"></span>erre<span class=\"_ _3\"></span>d tax lia<span class=\"_ _3\"></span>bility (20<span class=\"_ _3\"></span>23: \u00a31.<span class=\"_ _3\"></span>7<span class=\"_ _0\"></span>m re<span class=\"_ _3\"></span>lati<span class=\"_ _3\"></span>ng to othe<span class=\"_ _3\"></span>r defe<span class=\"_ _3\"></span>rre<span class=\"_ _3\"></span>d tax as<span class=\"_ _3\"></span>sets p<span class=\"_ _3\"></span>rev<span class=\"_ _3\"></span>ious<span class=\"_ _3\"></span>ly sho<span class=\"_ _3\"></span>wn wit<span class=\"_ _3\"></span>hin the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x liabil<span class=\"_ _3\"></span>ity </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs409\">has b<span class=\"_ _3\"></span>ee<span class=\"_ _3\"></span>n trans<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed to th<span class=\"_ _3\"></span>e defe<span class=\"_ _3\"></span>rred ta<span class=\"_ _3\"></span>x ass<span class=\"_ _3\"></span>et).<span class=\"_ _35a\"> </span></div>As at 31 December 2024<span class=\"_ _0\"></span>, the Group had \u00a33<span class=\"_ _0\"></span>.5m (202<span class=\"_ _0\"></span>3: \u00a33.<span class=\"_ _0\"></span>5m) of losses for which a deferr<span class=\"_ _0\"></span>ed tax asset has not been recognised as the Gr<span class=\"_ _0\"></span>oup does not expect sufficient future profit<span class=\"_ _0\"></span>s in the entity from which the de<span class=\"_ _0\"></span>ferred tax asset arises to be av<span class=\"_ _0\"></span>ailable to utilise the losses. As at 31 December 2024 deferr<span class=\"_ _0\"></span>ed tax assets of \u00a32.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>m (2023: \u00a32.<span class=\"_ _0\"></span>0m) are e<span class=\"_ _0\"></span>xpected to be utilised within 12 months and \u00a33<span class=\"_ _0\"></span>.5m (202<span class=\"_ _0\"></span>3: \u00a31.8m) utilised after 12 months.<span class=\"_ _35a\"> </span>Def<span class=\"_ _3\"></span>erred ta<span class=\"_ _3\"></span>xation liability<span class=\"_ _35a\"> </span>The deferr<span class=\"_ _0\"></span>ed tax liability recognised on the Combination relates t<span class=\"_ _0\"></span>o the timing dif<span class=\"_ _3\"></span>ferences of the recognition o<span class=\"_ _0\"></span>f assets and liabilities at fair value<span class=\"_ _0\"></span>, where the fair values will un<span class=\"_ _0\"></span>wind in future periods in line with the underlying asset or liability. The def<span class=\"_ _0\"></span>erred tax liability has been measured using the r<span class=\"_ _0\"></span>elevant r<span class=\"_ _0\"></span>ates for the expect<span class=\"_ _0\"></span>ed periods of utilisation.<span class=\"_ _35a\"> </span><table class=\"s w3b9 he8\" id=\"_fb1f64f4-7f6f-41b7-8848-00947b0a572e\"><tr><td></td><td class=\"t m1 x63a h21 y3f29 ff1 fs5 fc5 sc0 ls0 ws0\">CCFS </td><td class=\"t m1 x63b h21 y3f29 ff1 fs5 fc5 sc0 ls0 ws0\">Accelerated </td><td></td></tr><tr><td></td><td class=\"t m1 x41f h21 y3f2a ff1 fs5 fc5 sc0 ls0 ws0\">Combination<span class=\"_ _35a\"> </span></td><td class=\"t m1 x63c h21 y3f2a ff1 fs5 fc5 sc0 ls0 ws0\">depreciation<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3f2a ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x63d h21 y3f2b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45d h21 y3f2b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3f2b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f21 w2ba hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x63e y3f21 w3ba hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x63f y3f21 w3bb hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x640 y3f21 w3bc hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">22.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f22 w3bd hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s credit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x641 y3f22 w3be hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse8 wse3\">(1<span class=\"_ _3\"></span>4.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x642 y3f22 w3bb hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x643 y3f22 w3bf hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse8 wse3\">(1<span class=\"_ _3\"></span>4.3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f23 w3c0 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransfer to defe<span class=\"_ _3\"></span>rred tax ass<span class=\"_ _3\"></span>et</div><div class=\"t m1 x644 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x645 y3f2c w3a3 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x646 y3f2c w3bb hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x647 y3f2c w3c1 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f2d w2ca hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62b y3f2d w3c2 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls68 ws14\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x648 y3f2d w3bb hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x649 y3f2d w3c2 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls68 ws14\">6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f2e w3c3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>credi<span class=\"_ _3\"></span>t)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64a y3df8 w3c4 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls20 ws1f\">(6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64b y3df8 w375 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls62 ws5e\">6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64c y3df8 w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f2f w3c5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge \u2013 prio<span class=\"_ _3\"></span>r year adjus<span class=\"_ _3\"></span>tment<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64d y3f30 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64e y3f30 w3c6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">5.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64f y3f30 w27d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">5.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f31 w3c7 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransfer from D<span class=\"_ _3\"></span>eferre<span class=\"_ _3\"></span>d tax asset</div><div class=\"t m1 x650 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x651 y3dfe w3c8 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x652 y3dfe w3c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x653 y3dfe w3ca hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">1.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w3b5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x654 y3d5a w3cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x655 y3d5a w3cc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">13<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x656 y3d5a w3cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>\u00a31.0<span class=\"_ _3\"></span>m rel<span class=\"_ _3\"></span>atin<span class=\"_ _3\"></span>g to acc<span class=\"_ _3\"></span>ele<span class=\"_ _3\"></span>rated d<span class=\"_ _3\"></span>epr<span class=\"_ _3\"></span>ecia<span class=\"_ _3\"></span>tion p<span class=\"_ _3\"></span>revi<span class=\"_ _3\"></span>ous<span class=\"_ _3\"></span>ly show<span class=\"_ _3\"></span>n with<span class=\"_ _3\"></span>in the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red tax a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>t has b<span class=\"_ _3\"></span>een t<span class=\"_ _3\"></span>rans<span class=\"_ _3\"></span>ferre<span class=\"_ _3\"></span>d to the<span class=\"_ _3\"></span> def<span class=\"_ _3\"></span>erre<span class=\"_ _3\"></span>d tax lia<span class=\"_ _3\"></span>bility (20<span class=\"_ _3\"></span>23: \u00a31.<span class=\"_ _3\"></span>7<span class=\"_ _0\"></span>m re<span class=\"_ _3\"></span>lati<span class=\"_ _3\"></span>ng to othe<span class=\"_ _3\"></span>r defe<span class=\"_ _3\"></span>rre<span class=\"_ _3\"></span>d tax as<span class=\"_ _3\"></span>sets p<span class=\"_ _3\"></span>rev<span class=\"_ _3\"></span>ious<span class=\"_ _3\"></span>ly sho<span class=\"_ _3\"></span>wn wit<span class=\"_ _3\"></span>hin the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x liabil<span class=\"_ _3\"></span>ity has b<span class=\"_ _3\"></span>ee<span class=\"_ _3\"></span>n trans<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed to th<span class=\"_ _3\"></span>e defe<span class=\"_ _3\"></span>rred ta<span class=\"_ _3\"></span>x ass<span class=\"_ _3\"></span>et).<span class=\"_ _35a\"> </span>As at 31 December 2024 deferr<span class=\"_ _0\"></span>ed tax liabilities of \u00a31.<span class=\"_ _0\"></span>1m (2023: \u00a33<span class=\"_ _0\"></span>.8m) are e<span class=\"_ _0\"></span>xpected to be due within 12 months and \u00a312.<span class=\"_ _0\"></span>0m (2023: \u00a32.<span class=\"_ _0\"></span>5m) due after 12 months.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-439": {
   "value": "Deferred tax<span class=\"_ _0\"></span>ation<span class=\"_ _0\"></span> asset<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w shows mov<span class=\"_ _0\"></span>ements on def<span class=\"_ _0\"></span>erred tax asset during the year<span class=\"_ _2\"></span>.<span class=\"_ _35a\"> </span><table class=\"s w398 he7\" id=\"_2c9850fd-2cb0-4791-865a-a32bcfa84220\"><tr><td></td><td class=\"t m1 x618 h21 y3f19 ff1 fs5 fc5 sc0 ls0 ws0\">Share-based </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5a3 h21 y3f1a ff1 fs5 fc5 sc0 ls0 ws0\">payments<span class=\"_ _35a\"> </span></td><td class=\"c x61a y3f1c w399 hb9\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Others</div><div class=\"t m1 x619 h39 y3f1b ff1 fs1e fc5 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x47e h21 y3f1a ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x61b h21 y3f1d ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47f h21 y3f1d ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f1d ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f1e w39a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61c y3f1e w39b hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse8 wse3\">4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61d y3f1e w39c hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61e y3f1e w39d hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls68 ws14\">6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f1f w39e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>charge)/<span class=\"_ _2\"></span>cre<span class=\"_ _3\"></span>dit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x61f y3f1f w39f hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x620 y3f1f w3a0 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x621 y3f1f w3a1 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">(0.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f20 w3a2 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransferre<span class=\"_ _3\"></span>d from Defe<span class=\"_ _3\"></span>rred tax liability</div><div class=\"t m1 x622 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x623 y3f21 w1c8 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x624 y3f21 w3a3 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x625 y3f21 w3a4 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f22 w3a5 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax tak<span class=\"_ _0\"></span>en dire<span class=\"_ _3\"></span>ctly to OC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></div></td><td class=\"c n x626 y3f22 w1c8 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x627 y3f22 w3a6 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 lsea wse5\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x628 y3f22 w3a7 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 lsea wse5\">0.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f23 w3a8 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax tak<span class=\"_ _0\"></span>en dire<span class=\"_ _3\"></span>ctly to equity<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x629 y3f23 w3a9 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62a y3f23 w3a9 hc7\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f24 w3aa hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62b y3f24 w3ab hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62c y3f24 w3ac hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62d y3f24 w3ad hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f25 w39e hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>charge)/<span class=\"_ _2\"></span>cre<span class=\"_ _3\"></span>dit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62e y3f25 w3ae hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62f y3f25 w3af hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x630 y3f25 w3b0 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls14 ws12\">1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f26 w3b1 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransferre<span class=\"_ _3\"></span>d to Deferre<span class=\"_ _3\"></span>d tax liability</div><div class=\"t m1 x631 h20 y3ef1 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x623 y3f27 w1c8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x632 y3f27 w3b2 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls1f ws61\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x633 y3f27 w3b3 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls1f ws61\">1.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f28 w3a8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax tak<span class=\"_ _0\"></span>en dire<span class=\"_ _3\"></span>ctly to equity<span class=\"_ _35a\"> </span></div></td><td class=\"c n x634 y3f28 w3a6 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x635 y3f28 w1c8 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x636 y3f28 w3b4 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w3b5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x637 y3d5a w3b6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x638 y3d5a w3b7 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x639 y3d5a w3b8 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">6.2<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ot<span class=\"_ _3\"></span>her<span class=\"_ _3\"></span>s inclu<span class=\"_ _3\"></span>de de<span class=\"_ _3\"></span>ferre<span class=\"_ _3\"></span>d taxat<span class=\"_ _3\"></span>ion as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n IFRS 9 t<span class=\"_ _3\"></span>ransi<span class=\"_ _3\"></span>tion<span class=\"_ _3\"></span>al adju<span class=\"_ _3\"></span>stme<span class=\"_ _3\"></span>nts, l<span class=\"_ _3\"></span>oss<span class=\"_ _3\"></span>es ca<span class=\"_ _3\"></span>rrie<span class=\"_ _3\"></span>d for<span class=\"_ _3\"></span>ward a<span class=\"_ _3\"></span>nd accelerated depreciat<span class=\"_ _0\"></span>ion.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>\u00a3<span class=\"_ _3\"></span>1.0m re<span class=\"_ _3\"></span>lati<span class=\"_ _3\"></span>ng to ac<span class=\"_ _3\"></span>cel<span class=\"_ _3\"></span>erate<span class=\"_ _3\"></span>d dep<span class=\"_ _3\"></span>rec<span class=\"_ _3\"></span>iatio<span class=\"_ _3\"></span>n prev<span class=\"_ _3\"></span>iou<span class=\"_ _3\"></span>sly sh<span class=\"_ _3\"></span>own wi<span class=\"_ _3\"></span>thin th<span class=\"_ _3\"></span>e defe<span class=\"_ _3\"></span>rred t<span class=\"_ _3\"></span>ax ass<span class=\"_ _3\"></span>et ha<span class=\"_ _3\"></span>s bee<span class=\"_ _3\"></span>n trans<span class=\"_ _3\"></span>fer<span class=\"_ _3\"></span>red to th<span class=\"_ _3\"></span>e def<span class=\"_ _3\"></span>erre<span class=\"_ _3\"></span>d tax lia<span class=\"_ _3\"></span>bility (20<span class=\"_ _3\"></span>23: \u00a31.<span class=\"_ _3\"></span>7<span class=\"_ _0\"></span>m re<span class=\"_ _3\"></span>lati<span class=\"_ _3\"></span>ng to othe<span class=\"_ _3\"></span>r defe<span class=\"_ _3\"></span>rre<span class=\"_ _3\"></span>d tax as<span class=\"_ _3\"></span>sets p<span class=\"_ _3\"></span>rev<span class=\"_ _3\"></span>ious<span class=\"_ _3\"></span>ly sho<span class=\"_ _3\"></span>wn wit<span class=\"_ _3\"></span>hin the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x liabil<span class=\"_ _3\"></span>ity has b<span class=\"_ _3\"></span>ee<span class=\"_ _3\"></span>n trans<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed to th<span class=\"_ _3\"></span>e defe<span class=\"_ _3\"></span>rred ta<span class=\"_ _3\"></span>x ass<span class=\"_ _3\"></span>et).<span class=\"_ _35a\"> </span><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs40b\">As at 31 December 2024<span class=\"_ _0\"></span>, the Group had \u00a33<span class=\"_ _0\"></span>.5m (202<span class=\"_ _0\"></span>3: \u00a33.<span class=\"_ _0\"></span>5m) of losses for which a deferr<span class=\"_ _0\"></span>ed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs40c\">tax asset has not been recognised as the Gr<span class=\"_ _0\"></span>oup does not expect sufficient future profit<span class=\"_ _0\"></span>s in the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs40d\">entity from which the de<span class=\"_ _0\"></span>ferred tax asset arises to be av<span class=\"_ _0\"></span>ailable to utilise the losses. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs40e\">As at 31 December 2024 deferr<span class=\"_ _0\"></span>ed tax assets of \u00a32.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>m (2023: \u00a32.<span class=\"_ _0\"></span>0m) are e<span class=\"_ _0\"></span>xpected to be utilised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs40f\">within 12 months and \u00a33<span class=\"_ _0\"></span>.5m (202<span class=\"_ _0\"></span>3: \u00a31.8m) utilised after 12 months.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs410\">Def<span class=\"_ _3\"></span>erred ta<span class=\"_ _3\"></span>xation liability<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs411\">The deferr<span class=\"_ _0\"></span>ed tax liability recognised on the Combination relates t<span class=\"_ _0\"></span>o the timing dif<span class=\"_ _3\"></span>ferences </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs412\">of the recognition o<span class=\"_ _0\"></span>f assets and liabilities at fair value<span class=\"_ _0\"></span>, where the fair values will un<span class=\"_ _0\"></span>wind in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs413\">future periods in line with the underlying asset or liability. The def<span class=\"_ _0\"></span>erred tax liability has been </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs414\">measured using the r<span class=\"_ _0\"></span>elevant r<span class=\"_ _0\"></span>ates for the expect<span class=\"_ _0\"></span>ed periods of utilisation.<span class=\"_ _35a\"> </span></div><div class=\"gs415\"><table class=\"s w3b9 he8\" id=\"_fb1f64f4-7f6f-41b7-8848-00947b0a572e\"><tr><td></td><td class=\"t m1 x63a h21 y3f29 ff1 fs5 fc5 sc0 ls0 ws0\">CCFS </td><td class=\"t m1 x63b h21 y3f29 ff1 fs5 fc5 sc0 ls0 ws0\">Accelerated </td><td></td></tr><tr><td></td><td class=\"t m1 x41f h21 y3f2a ff1 fs5 fc5 sc0 ls0 ws0\">Combination<span class=\"_ _35a\"> </span></td><td class=\"t m1 x63c h21 y3f2a ff1 fs5 fc5 sc0 ls0 ws0\">depreciation<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3f2a ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x63d h21 y3f2b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45d h21 y3f2b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3f2b ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f21 w2ba hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x63e y3f21 w3ba hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x63f y3f21 w3bb hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x640 y3f21 w3bc hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls32 ws30\">22.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f22 w3bd hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s credit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x641 y3f22 w3be hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse8 wse3\">(1<span class=\"_ _3\"></span>4.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x642 y3f22 w3bb hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x643 y3f22 w3bf hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 lse8 wse3\">(1<span class=\"_ _3\"></span>4.3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f23 w3c0 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransfer to defe<span class=\"_ _3\"></span>rred tax ass<span class=\"_ _3\"></span>et</div><div class=\"t m1 x644 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x645 y3f2c w3a3 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x646 y3f2c w3bb hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x647 y3f2c w3c1 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls1f ws61\">(1.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f2d w2ca hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x62b y3f2d w3c2 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls68 ws14\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x648 y3f2d w3bb hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x649 y3f2d w3c2 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls68 ws14\">6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f2e w3c3 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>credi<span class=\"_ _3\"></span>t)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64a y3df8 w3c4 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls20 ws1f\">(6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64b y3df8 w375 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls62 ws5e\">6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64c y3df8 w1e5 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f2f w3c5 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge \u2013 prio<span class=\"_ _3\"></span>r year adjus<span class=\"_ _3\"></span>tment<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64d y3f30 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64e y3f30 w3c6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">5.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x64f y3f30 w27d hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">5.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f31 w3c7 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransfer from D<span class=\"_ _3\"></span>eferre<span class=\"_ _3\"></span>d tax asset</div><div class=\"t m1 x650 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x651 y3dfe w3c8 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x652 y3dfe w3c9 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x653 y3dfe w3ca hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls32 ws30\">1.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w3b5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x654 y3d5a w3cb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x655 y3d5a w3cc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">13<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x656 y3d5a w3cd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs416\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>\u00a31.0<span class=\"_ _3\"></span>m rel<span class=\"_ _3\"></span>atin<span class=\"_ _3\"></span>g to acc<span class=\"_ _3\"></span>ele<span class=\"_ _3\"></span>rated d<span class=\"_ _3\"></span>epr<span class=\"_ _3\"></span>ecia<span class=\"_ _3\"></span>tion p<span class=\"_ _3\"></span>revi<span class=\"_ _3\"></span>ous<span class=\"_ _3\"></span>ly show<span class=\"_ _3\"></span>n with<span class=\"_ _3\"></span>in the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red tax a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>t has b<span class=\"_ _3\"></span>een t<span class=\"_ _3\"></span>rans<span class=\"_ _3\"></span>ferre<span class=\"_ _3\"></span>d to the<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs417\">def<span class=\"_ _3\"></span>erre<span class=\"_ _3\"></span>d tax lia<span class=\"_ _3\"></span>bility (20<span class=\"_ _3\"></span>23: \u00a31.<span class=\"_ _3\"></span>7<span class=\"_ _0\"></span>m re<span class=\"_ _3\"></span>lati<span class=\"_ _3\"></span>ng to othe<span class=\"_ _3\"></span>r defe<span class=\"_ _3\"></span>rre<span class=\"_ _3\"></span>d tax as<span class=\"_ _3\"></span>sets p<span class=\"_ _3\"></span>rev<span class=\"_ _3\"></span>ious<span class=\"_ _3\"></span>ly sho<span class=\"_ _3\"></span>wn wit<span class=\"_ _3\"></span>hin the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x liabil<span class=\"_ _3\"></span>ity </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs418\">has b<span class=\"_ _3\"></span>ee<span class=\"_ _3\"></span>n trans<span class=\"_ _3\"></span>ferr<span class=\"_ _3\"></span>ed to th<span class=\"_ _3\"></span>e defe<span class=\"_ _3\"></span>rred ta<span class=\"_ _3\"></span>x ass<span class=\"_ _3\"></span>et).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs419\">As at 31 December 2024 deferr<span class=\"_ _0\"></span>ed tax liabilities of \u00a31.<span class=\"_ _0\"></span>1m (2023: \u00a33<span class=\"_ _0\"></span>.8m) are e<span class=\"_ _0\"></span>xpected to be due </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs41a\">within 12 months and \u00a312.<span class=\"_ _0\"></span>0m (2023: \u00a32.<span class=\"_ _0\"></span>5m) due after 12 months.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-440": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs41c\">12. <span class=\"_ _1\"></span>Earnings per share<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs41d\">EPS is based on the profit f<span class=\"_ _0\"></span>or the year and the weight<span class=\"_ _0\"></span>ed average number o<span class=\"_ _0\"></span>f ordinary shares </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs41e\">in issue. Basic EPS ar<span class=\"_ _0\"></span>e calculated by dividing profit attribut<span class=\"_ _0\"></span>able to ordinary shareholder<span class=\"_ _0\"></span>s by </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs41f\">the weigh<span class=\"_ _0\"></span>ted aver<span class=\"_ _0\"></span>age number of ordinary shares in issue during the ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>. Diluted EPS tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs420\">account share options and a<span class=\"_ _0\"></span>wards which c<span class=\"_ _0\"></span>an be converted to or<span class=\"_ _0\"></span>dinary shares. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs421\">For the purpose of calculating EPS<span class=\"_ _0\"></span>, profit attributable to or<span class=\"_ _0\"></span>dinary shareholders is arriv<span class=\"_ _0\"></span>ed at by </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs422\">adjusting pr<span class=\"_ _0\"></span>ofit for the year for the coupon on securities classified as equity:<span class=\"_ _35a\"> </span></div><div class=\"gs423\"><table class=\"s w3ce he9\" id=\"_0d4ffa51-8d06-4d56-aa97-fcca39d480dc\"><tr><td></td><td class=\"t m1 x47d h21 y3f32 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f32 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f33 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f33 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e52 w3cf hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls0 ws0\">Profit af<span class=\"_ _3\"></span>ter tax<span class=\"_ _35a\"> </span></div></td><td class=\"c n x657 y3e52 w3d0 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls101 ws6f\">308.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x658 y3e60 w3d1 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">28<span class=\"_ _3\"></span>2.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w3d2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Less: coup<span class=\"_ _3\"></span>on paid on A<span class=\"_ _0\"></span>T1 se<span class=\"_ _3\"></span>curitie<span class=\"_ _3\"></span>s classi<span class=\"_ _3\"></span>fied as equi<span class=\"_ _3\"></span>ty<span class=\"_ _35a\"> </span></div></td><td class=\"c n x659 y3e90 w3d3 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x65a y3dfe w3d4 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(9.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e55 w3d5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsc4 ws26\">Profit attr<span class=\"_ _0\"></span>ibutable to<span class=\"_ _0\"></span> ordinary shareholders<span class=\"_ _35a\"> </span></div></td><td class=\"c n x65b y3e55 w3d6 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x65c y3d5a w3d7 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls67 ws63\">273.6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"gs424\"><table class=\"s w3d8 hea\" id=\"_56bac44a-7e98-47ff-b424-20a29210b44e\"><tr><td></td><td class=\"c n x4f4 y3f35 w264 hb9\"><div class=\"t m1 x247 h21 y3f34 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4f5 y3f35 w265 hb9\"><div class=\"t m1 x247 h21 y3f34 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f36 ff1 fs6 fc4 sc0 lsc4 ws26\">W<span class=\"_ _0\"></span>eighted average<span class=\"_ _0\"></span> number of shares, mil<span class=\"_ _0\"></span>lions<span class=\"_ _297\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3f37 w3d9 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls69 ws1e\">Basic<span class=\"_ _35a\"> </span></div></td><td class=\"c n x65d y3ed9 w3da hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls68 ws14\">385.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x65e y3f37 w269 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1a ws16\">41<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f38 w3db hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Dilutive imp<span class=\"_ _3\"></span>act of share<span class=\"_ _3\"></span>-based p<span class=\"_ _3\"></span>ayment sch<span class=\"_ _3\"></span>emes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x65f y3e22 w3dc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x660 y3f38 w3dd hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e9e w3de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Diluted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x661 y3e96 w3df hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse4 wsdd\">3<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x662 y3e9e w3e0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls3d ws3b\">42<span class=\"_ _3\"></span>1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f39 ff1 fs6 fc4 sc0 ls101 ws6f\">Earnings per s<span class=\"_ _3\"></span>hare, penc<span class=\"_ _3\"></span>e per share<span class=\"_ _d9\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w3d9 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls69 ws1e\">Basic<span class=\"_ _35a\"> </span></div></td><td class=\"c n x663 y3e90 w3e1 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse5 wsdf\">7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x664 y3dfe w3e2 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsea wse5\">6<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w3de hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Diluted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x665 y3e55 w3e3 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">75.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x666 y3d5a w3e4 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">6<span class=\"_ _3\"></span>5.0</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-534": {
   "value": "EPS is based on the profit f<span class=\"_ _0\"></span>or the year and the weight<span class=\"_ _0\"></span>ed average number o<span class=\"_ _0\"></span>f ordinary shares in issue. Basic EPS ar<span class=\"_ _0\"></span>e calculated by dividing profit attribut<span class=\"_ _0\"></span>able to ordinary shareholder<span class=\"_ _0\"></span>s by the weigh<span class=\"_ _0\"></span>ted aver<span class=\"_ _0\"></span>age number of ordinary shares in issue during the ye<span class=\"_ _0\"></span>ar<span class=\"_ _0\"></span>. Diluted EPS tak<span class=\"_ _0\"></span>e int<span class=\"_ _0\"></span>o account share options and a<span class=\"_ _0\"></span>wards which c<span class=\"_ _0\"></span>an be converted to or<span class=\"_ _0\"></span>dinary shares. For the purpose of calculating EPS<span class=\"_ _0\"></span>, profit attributable to or<span class=\"_ _0\"></span>dinary shareholders is arriv<span class=\"_ _0\"></span>ed at by adjusting pr<span class=\"_ _0\"></span>ofit for the year for the coupon on securities classified as equity:<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-441": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws17d gs426\">13. Dividends<span class=\"_ _35a\"> </span></div><div class=\"gs427\"><table class=\"s w3e5 heb\" id=\"_c69945c7-d972-4aed-80d3-5ca0284e3c11\"><tr><td></td><td></td><td class=\"c n x667 y3f3a w3e6 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x668 y3f3a w265 hb9\"><div class=\"t m1 x247 h21 y3e98 ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x669 y3f3b w3e7 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m</div></td><td class=\"c n x66a y3f3b w3e8 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Pence per share<span class=\"_ _35a\"> </span></div></td><td class=\"c n x66b y3f3b w3e7 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m</div></td><td class=\"c n x66c y3f3b w3e8 hd8\"><div class=\"t m1 x247 h21 y3ea2 ff1 fs5 fc5 sc0 ls0 ws0\">Pence per share<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f3c w3e9 hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls0 ws0\">Final div<span class=\"_ _3\"></span>idend for the p<span class=\"_ _3\"></span>rior year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x66d y3f3d w3ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">85.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x66e y3f3d w3eb hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1e ws1d\">21.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x66f y3f3c w3ec hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls119 ws1a\">93.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x670 y3f3c w3ed hd5\"><div class=\"t m1 x247 ha y3e64 ff2 fs6 fc4 sc0 ls14 ws12\">21.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3f3e ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial div<span class=\"_ _3\"></span>idend for the p<span class=\"_ _3\"></span>rior </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3f3f w3ee hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls0 ws0\">year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x671 y3e4c w3cb hc3\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x672 y3e4c w3cb hc3\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x673 y3f3f w3ef hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls14 ws12\">50.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x674 y3f3f w3f0 hc1\"><div class=\"t m1 x247 ha y3ea8 ff2 fs6 fc4 sc0 ls71 ws6d\">11<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3f40 ff2 fs6 fc4 sc0 ls0 ws0\">Interim div<span class=\"_ _3\"></span>idend for the c<span class=\"_ _3\"></span>urrent </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w3ee hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x675 y3e90 w3f1 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">40.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x676 y3e90 w3f2 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x677 y3dfe w3f3 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x678 y3dfe w3f4 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x679 y3e55 w3f5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">12<span class=\"_ _3\"></span>6.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x67a y3d5a w3f6 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">18<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs428\">The Director<span class=\"_ _0\"></span>s recommend a final dividend of \u00a3<span><span class=\"gs12\" id=\"__13\">85. 2</span></span>m, <span><span class=\"gs429\" id=\"__14\">22. 9</span></span> pence per share (2023: \u00a3<span><span class=\"gs12\" id=\"__11\">85 .7</span></span><span class=\"_ _0\"></span>m, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs42a\"><span>21.8</span><span class=\"_ gs2a\"> </span>pence per shar<span class=\"_ _0\"></span>e) payable on 13 May 2025 with an e<span class=\"_ _0\"></span>x-dividend date o<span class=\"_ _0\"></span>f 27 March 2025 and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs42b\">a record dat<span class=\"_ _0\"></span>e of 28 March 202<span class=\"_ _0\"></span>5. This dividend is not reflect<span class=\"_ _0\"></span>ed in these financial statemen<span class=\"_ _0\"></span>ts as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs42c\">it is subject to appro<span class=\"_ _0\"></span>val by shareholders at the Annual Gener<span class=\"_ _0\"></span>al Meeting on 8 May 2025<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs42d\">If the final dividend is approv<span class=\"_ _0\"></span>ed, this will mak<span class=\"_ _0\"></span>e up the total dividend for 2<span class=\"_ _0\"></span>024 of \u00a3126.<span class=\"_ _0\"></span>0m, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs42e\"><span>33.6</span><span class=\"_ gs2a\"> </span>pence per shar<span class=\"_ _0\"></span>e (2023: \u00a3126<span class=\"_ _0\"></span>.6m, <span><span class=\"gs12\" id=\"__12\">32. 0</span></span> pence per share).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs42f\">A summary of the Company\u2019<span class=\"_ _2\"></span>s distributable reserves is sho<span class=\"_ _0\"></span>wn below:<span class=\"_ _35a\"> </span></div><div class=\"gs430\"><table class=\"s w3f7 he9\" id=\"_ab847ea5-7751-4423-bcc7-e3acac20dacb\"><tr><td></td><td class=\"t m1 x45b h21 y3f41 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3f41 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3f42 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3f42 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 wae hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Retained e<span class=\"_ _3\"></span>arnings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x67b y3ee5 w3f8 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsd4 ws24\">1,354<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x67c y3e51 w3f9 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">1,3<span class=\"_ _3\"></span>58<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3e9f w3fa hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Ow<span class=\"_ _3\"></span>n shares</div><div class=\"t m1 x67d h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4cc y3e90 w235 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">(0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x67e y3dfe w3fb hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(1.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e55 w3fc hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls63 ws5f\">Distri<span class=\"_ _0\"></span>butable<span class=\"_ _0\"></span> reser<span class=\"_ _3\"></span>ves<span class=\"_ _35a\"> </span></div></td><td class=\"c n x67f y3e55 w3fd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls101 ws6f\">1,353.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x680 y3f43 w3fe hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs431\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ow<span class=\"_ _3\"></span>n shar<span class=\"_ _3\"></span>es co<span class=\"_ _3\"></span>mpri<span class=\"_ _3\"></span>ses o<span class=\"_ _3\"></span>wn sha<span class=\"_ _3\"></span>res he<span class=\"_ _3\"></span>ld in th<span class=\"_ _3\"></span>e Grou<span class=\"_ _3\"></span>p\u2019<span class=\"_ _0\"></span>s EBT of \u00a3<span class=\"_ _3\"></span>0.<span class=\"_ _0\"></span>9m (202<span class=\"_ _3\"></span>3: \u00a31.0<span class=\"_ _3\"></span>m) which ar<span class=\"_ _3\"></span>e rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed w<span class=\"_ _3\"></span>ithin O<span class=\"_ _3\"></span>SB<span class=\"_ _3\"></span>G </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs432\">under look<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>through<span class=\"_ _0\"></span> accounting.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs433\">Further additional distributable reserves can be r<span class=\"_ _0\"></span>ealised ov<span class=\"_ _0\"></span>er time from dividend receipts from </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs434\">profit<span class=\"_ _0\"></span>s generated from the subsidiaries including tw<span class=\"_ _0\"></span>o regulated bank<span class=\"_ _0\"></span>s within the Group<span class=\"_ _0\"></span>. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-22": {
   "value": "85200000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-23": {
   "value": "0.229",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "fact-19": {
   "value": "85700000.0",
   "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-20": {
   "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-24": {
   "value": "0.336",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "fact-21": {
   "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-442": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs436\">14<span class=\"_ _0\"></span>. <span class=\"_ _18\"> </span>Cash and c<span class=\"_ _3\"></span>ash equivalent<span class=\"_ _0\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs437\">The follo<span class=\"_ _0\"></span>wing table analyses the cash and cash equivalent<span class=\"_ _0\"></span>s disclosed in the Consolidated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs438\">st<span class=\"_ _0\"></span>atement of cash flo<span class=\"_ _0\"></span>ws: </div><div class=\"gs439\"><table class=\"s w1f8 he9\" id=\"_0aff62f3-e3dc-4e10-9004-1f58c99e4856\"><tr><td></td><td class=\"t m1 x47d h21 y3f50 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f50 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f51 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f51 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e51 w44 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n x692 y3ee5 w416 hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x693 y3e51 w417 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w418 hed\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d loans an<span class=\"_ _3\"></span>d advance<span class=\"_ _3\"></span>s to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x694 y3e90 w419 hee\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1e ws1d\">3<span class=\"_ _3\"></span>,231.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x695 y3e53 w41a hed\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls71 ws6d\">2,<span class=\"_ _3\"></span>513.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x696 y3e55 w41b hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1e ws1d\">3,<span class=\"_ _3\"></span>231.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x697 y3d5a w41c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse8 wse3\">2,<span class=\"_ _3\"></span>514.<span class=\"_ _3\"></span>0</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-443": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs43b\">15. <span class=\"_ _1\"></span>Loans and advances to credit institutions<span class=\"_ _35a\"> </span></div><div class=\"gs43c\"><table class=\"s w3ff hec\" id=\"_90edb05f-4ee4-44ac-9220-4de07aca44ad\"><tr><td></td><td class=\"t m1 x47d h21 y3f44 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f44 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f45 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f45 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3f46 ff1 fs6 fc4 sc0 ls121 wsb9\">Unencumbered<span class=\"_ _1e1\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3eef w400 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">BoE c<span class=\"_ _3\"></span>all acco<span class=\"_ _3\"></span>unt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x681 y3eee w401 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls101 ws6f\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x682 y3eef w402 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>256.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f47 w403 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lseb ws27\">Call ac<span class=\"_ _3\"></span>counts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x683 y3f48 w404 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">58.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x684 y3f47 w405 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">92.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f49 w406 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Cash h<span class=\"_ _3\"></span>eld in sp<span class=\"_ _3\"></span>ecial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>les (SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>s)</div><div class=\"t m1 x685 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c3 y3f4a w407 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x686 y3f4b w408 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f4c w409 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsd4 ws24\">T<span class=\"_ _0\"></span>erm deposit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x687 y3f4d w40a hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x688 y3f4c w40b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _18\"> </span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f4e ff1 fs6 fc4 sc0 ls65 ws21\">Encumbered<span class=\"_ _29e\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span><span class=\"ff2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c x248 y3e8d w40c hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">BoE c<span class=\"_ _3\"></span>ash ratio de<span class=\"_ _3\"></span>posit</div><div class=\"t m1 x689 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e96 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68a y3e9e w40d hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f4f w40e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Cash h<span class=\"_ _3\"></span>eld in SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>s</div><div class=\"t m1 x68b h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68c y3e52 w40f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">40.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68d y3e51 w410 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">31.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w411 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Cash m<span class=\"_ _3\"></span>argin given<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68e y3e4e w412 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">13<span class=\"_ _3\"></span>4.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68f y3e53 w413 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">198.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x690 y3e01 w414 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x691 y3d5a w415 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs43d\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ca<span class=\"_ _3\"></span>sh hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is ring-fe<span class=\"_ _3\"></span>nce<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e in man<span class=\"_ _3\"></span>agin<span class=\"_ _3\"></span>g the Gro<span class=\"_ _3\"></span>up\u2019<span class=\"_ _0\"></span>s s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>ritis<span class=\"_ _3\"></span>ed de<span class=\"_ _3\"></span>bt fac<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es und<span class=\"_ _3\"></span>er the t<span class=\"_ _3\"></span>erms of<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs43e\">se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisat<span class=\"_ _3\"></span>ion ag<span class=\"_ _3\"></span>ree<span class=\"_ _3\"></span>ment<span class=\"_ _3\"></span>s. Cas<span class=\"_ _3\"></span>h hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is trea<span class=\"_ _3\"></span>ted as u<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered i<span class=\"_ _3\"></span>n prop<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tion to t<span class=\"_ _3\"></span>he reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>ntere<span class=\"_ _3\"></span>st in th<span class=\"_ _3\"></span>e </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs43f\">SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>, ba<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n the no<span class=\"_ _3\"></span>mina<span class=\"_ _3\"></span>l value of t<span class=\"_ _3\"></span>he bo<span class=\"_ _3\"></span>nds h<span class=\"_ _3\"></span>eld by t<span class=\"_ _3\"></span>he Gro<span class=\"_ _3\"></span>up to total b<span class=\"_ _3\"></span>onds i<span class=\"_ _3\"></span>n the se<span class=\"_ _3\"></span>cur<span class=\"_ _3\"></span>itis<span class=\"_ _3\"></span>ation<span class=\"_ _3\"></span>, and is in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ed </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs440\">in ca<span class=\"_ _3\"></span>sh and c<span class=\"_ _3\"></span>ash e<span class=\"_ _3\"></span>quiv<span class=\"_ _3\"></span>alent<span class=\"_ _3\"></span>s. Ca<span class=\"_ _3\"></span>sh reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>n SPVs de<span class=\"_ _3\"></span>sig<span class=\"_ _3\"></span>nate<span class=\"_ _3\"></span>d as cas<span class=\"_ _3\"></span>h res<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ve cre<span class=\"_ _3\"></span>dit en<span class=\"_ _3\"></span>hanc<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nt is tre<span class=\"_ _3\"></span>ate<span class=\"_ _3\"></span>d as </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs441\">encumbered in<span class=\"_ _0\"></span> proportion to the<span class=\"_ _0\"></span> external holdings<span class=\"_ _0\"></span> in the SPV a<span class=\"_ _0\"></span>nd excluded<span class=\"_ _0\"></span> from cash and<span class=\"_ _0\"></span> cash equivalents. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs442\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Th<span class=\"_ _3\"></span>e Cas<span class=\"_ _3\"></span>h Rati<span class=\"_ _3\"></span>o Dep<span class=\"_ _3\"></span>osi<span class=\"_ _3\"></span>t was a sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e that f<span class=\"_ _3\"></span>unde<span class=\"_ _3\"></span>d the B<span class=\"_ _3\"></span>oE\u2019s mone<span class=\"_ _3\"></span>tary po<span class=\"_ _3\"></span>licy a<span class=\"_ _3\"></span>nd finan<span class=\"_ _3\"></span>cial s<span class=\"_ _3\"></span>tabil<span class=\"_ _3\"></span>ity fun<span class=\"_ _3\"></span>ctio<span class=\"_ _3\"></span>ns. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs443\">On<span class=\"_ gs378\"> </span>1<span class=\"_ gs378\"> </span>M<span class=\"_ _3\"></span>arch 20<span class=\"_ _3\"></span>24 the sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e was re<span class=\"_ _3\"></span>pla<span class=\"_ _3\"></span>ced b<span class=\"_ _3\"></span>y an annu<span class=\"_ _3\"></span>al Bo<span class=\"_ _3\"></span>E Levy. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-525": {
   "value": "15. <span class=\"_ _1\"></span>Loans and advances to credit institutions<span class=\"_ _35a\"> </span><table class=\"s w3ff hec\" id=\"_90edb05f-4ee4-44ac-9220-4de07aca44ad\"><tr><td></td><td class=\"t m1 x47d h21 y3f44 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f44 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f45 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f45 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3f46 ff1 fs6 fc4 sc0 ls121 wsb9\">Unencumbered<span class=\"_ _1e1\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3eef w400 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">BoE c<span class=\"_ _3\"></span>all acco<span class=\"_ _3\"></span>unt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x681 y3eee w401 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls101 ws6f\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x682 y3eef w402 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>256.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f47 w403 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lseb ws27\">Call ac<span class=\"_ _3\"></span>counts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x683 y3f48 w404 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">58.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x684 y3f47 w405 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">92.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f49 w406 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Cash h<span class=\"_ _3\"></span>eld in sp<span class=\"_ _3\"></span>ecial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>les (SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>s)</div><div class=\"t m1 x685 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c3 y3f4a w407 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x686 y3f4b w408 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f4c w409 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsd4 ws24\">T<span class=\"_ _0\"></span>erm deposit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x687 y3f4d w40a hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x688 y3f4c w40b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _18\"> </span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f4e ff1 fs6 fc4 sc0 ls65 ws21\">Encumbered<span class=\"_ _29e\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span><span class=\"ff2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c x248 y3e8d w40c hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">BoE c<span class=\"_ _3\"></span>ash ratio de<span class=\"_ _3\"></span>posit</div><div class=\"t m1 x689 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e96 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68a y3e9e w40d hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f4f w40e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Cash h<span class=\"_ _3\"></span>eld in SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>s</div><div class=\"t m1 x68b h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68c y3e52 w40f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">40.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68d y3e51 w410 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">31.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w411 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Cash m<span class=\"_ _3\"></span>argin given<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68e y3e4e w412 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">13<span class=\"_ _3\"></span>4.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68f y3e53 w413 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">198.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x690 y3e01 w414 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x691 y3d5a w415 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ca<span class=\"_ _3\"></span>sh hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is ring-fe<span class=\"_ _3\"></span>nce<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e in man<span class=\"_ _3\"></span>agin<span class=\"_ _3\"></span>g the Gro<span class=\"_ _3\"></span>up\u2019<span class=\"_ _0\"></span>s s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>ritis<span class=\"_ _3\"></span>ed de<span class=\"_ _3\"></span>bt fac<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es und<span class=\"_ _3\"></span>er the t<span class=\"_ _3\"></span>erms of<span class=\"_ _3\"></span> se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisat<span class=\"_ _3\"></span>ion ag<span class=\"_ _3\"></span>ree<span class=\"_ _3\"></span>ment<span class=\"_ _3\"></span>s. Cas<span class=\"_ _3\"></span>h hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is trea<span class=\"_ _3\"></span>ted as u<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered i<span class=\"_ _3\"></span>n prop<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tion to t<span class=\"_ _3\"></span>he reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>ntere<span class=\"_ _3\"></span>st in th<span class=\"_ _3\"></span>e SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>, ba<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n the no<span class=\"_ _3\"></span>mina<span class=\"_ _3\"></span>l value of t<span class=\"_ _3\"></span>he bo<span class=\"_ _3\"></span>nds h<span class=\"_ _3\"></span>eld by t<span class=\"_ _3\"></span>he Gro<span class=\"_ _3\"></span>up to total b<span class=\"_ _3\"></span>onds i<span class=\"_ _3\"></span>n the se<span class=\"_ _3\"></span>cur<span class=\"_ _3\"></span>itis<span class=\"_ _3\"></span>ation<span class=\"_ _3\"></span>, and is in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ed in ca<span class=\"_ _3\"></span>sh and c<span class=\"_ _3\"></span>ash e<span class=\"_ _3\"></span>quiv<span class=\"_ _3\"></span>alent<span class=\"_ _3\"></span>s. Ca<span class=\"_ _3\"></span>sh reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>n SPVs de<span class=\"_ _3\"></span>sig<span class=\"_ _3\"></span>nate<span class=\"_ _3\"></span>d as cas<span class=\"_ _3\"></span>h res<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ve cre<span class=\"_ _3\"></span>dit en<span class=\"_ _3\"></span>hanc<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nt is tre<span class=\"_ _3\"></span>ate<span class=\"_ _3\"></span>d as encumbered in<span class=\"_ _0\"></span> proportion to the<span class=\"_ _0\"></span> external holdings<span class=\"_ _0\"></span> in the SPV a<span class=\"_ _0\"></span>nd excluded<span class=\"_ _0\"></span> from cash and<span class=\"_ _0\"></span> cash equivalents. 2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Th<span class=\"_ _3\"></span>e Cas<span class=\"_ _3\"></span>h Rati<span class=\"_ _3\"></span>o Dep<span class=\"_ _3\"></span>osi<span class=\"_ _3\"></span>t was a sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e that f<span class=\"_ _3\"></span>unde<span class=\"_ _3\"></span>d the B<span class=\"_ _3\"></span>oE\u2019s mone<span class=\"_ _3\"></span>tary po<span class=\"_ _3\"></span>licy a<span class=\"_ _3\"></span>nd finan<span class=\"_ _3\"></span>cial s<span class=\"_ _3\"></span>tabil<span class=\"_ _3\"></span>ity fun<span class=\"_ _3\"></span>ctio<span class=\"_ _3\"></span>ns. On<span class=\"_ gs378\"> </span>1<span class=\"_ gs378\"> </span>M<span class=\"_ _3\"></span>arch 20<span class=\"_ _3\"></span>24 the sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e was re<span class=\"_ _3\"></span>pla<span class=\"_ _3\"></span>ced b<span class=\"_ _3\"></span>y an annu<span class=\"_ _3\"></span>al Bo<span class=\"_ _3\"></span>E Levy. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-489": {
   "value": "15. <span class=\"_ _1\"></span>Loans and advances to credit institutions<span class=\"_ _35a\"> </span><table class=\"s w3ff hec\" id=\"_90edb05f-4ee4-44ac-9220-4de07aca44ad\"><tr><td></td><td class=\"t m1 x47d h21 y3f44 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f44 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f45 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f45 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3f46 ff1 fs6 fc4 sc0 ls121 wsb9\">Unencumbered<span class=\"_ _1e1\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3eef w400 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">BoE c<span class=\"_ _3\"></span>all acco<span class=\"_ _3\"></span>unt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x681 y3eee w401 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls101 ws6f\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x682 y3eef w402 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>256.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f47 w403 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lseb ws27\">Call ac<span class=\"_ _3\"></span>counts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x683 y3f48 w404 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls59 wsde\">58.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x684 y3f47 w405 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls32 ws30\">92.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f49 w406 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Cash h<span class=\"_ _3\"></span>eld in sp<span class=\"_ _3\"></span>ecial purp<span class=\"_ _3\"></span>ose vehic<span class=\"_ _3\"></span>les (SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>s)</div><div class=\"t m1 x685 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x4c3 y3f4a w407 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse2 wsdb\">9<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x686 y3f4b w408 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f4c w409 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsd4 ws24\">T<span class=\"_ _0\"></span>erm deposit<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x687 y3f4d w40a hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x688 y3f4c w40b hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _18\"> </span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f4e ff1 fs6 fc4 sc0 ls65 ws21\">Encumbered<span class=\"_ _29e\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span><span class=\"ff2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c x248 y3e8d w40c hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">BoE c<span class=\"_ _3\"></span>ash ratio de<span class=\"_ _3\"></span>posit</div><div class=\"t m1 x689 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x495 y3e96 w1ea hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68a y3e9e w40d hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f4f w40e hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Cash h<span class=\"_ _3\"></span>eld in SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>s</div><div class=\"t m1 x68b h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68c y3e52 w40f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">40.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68d y3e51 w410 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">31.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e53 w411 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Cash m<span class=\"_ _3\"></span>argin given<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68e y3e4e w412 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">13<span class=\"_ _3\"></span>4.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x68f y3e53 w413 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls68 ws14\">198.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x690 y3e01 w414 hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x691 y3d5a w415 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ca<span class=\"_ _3\"></span>sh hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is ring-fe<span class=\"_ _3\"></span>nce<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e in man<span class=\"_ _3\"></span>agin<span class=\"_ _3\"></span>g the Gro<span class=\"_ _3\"></span>up\u2019<span class=\"_ _0\"></span>s s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>ritis<span class=\"_ _3\"></span>ed de<span class=\"_ _3\"></span>bt fac<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es und<span class=\"_ _3\"></span>er the t<span class=\"_ _3\"></span>erms of<span class=\"_ _3\"></span> se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisat<span class=\"_ _3\"></span>ion ag<span class=\"_ _3\"></span>ree<span class=\"_ _3\"></span>ment<span class=\"_ _3\"></span>s. Cas<span class=\"_ _3\"></span>h hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is trea<span class=\"_ _3\"></span>ted as u<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered i<span class=\"_ _3\"></span>n prop<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tion to t<span class=\"_ _3\"></span>he reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>ntere<span class=\"_ _3\"></span>st in th<span class=\"_ _3\"></span>e SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>, ba<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n the no<span class=\"_ _3\"></span>mina<span class=\"_ _3\"></span>l value of t<span class=\"_ _3\"></span>he bo<span class=\"_ _3\"></span>nds h<span class=\"_ _3\"></span>eld by t<span class=\"_ _3\"></span>he Gro<span class=\"_ _3\"></span>up to total b<span class=\"_ _3\"></span>onds i<span class=\"_ _3\"></span>n the se<span class=\"_ _3\"></span>cur<span class=\"_ _3\"></span>itis<span class=\"_ _3\"></span>ation<span class=\"_ _3\"></span>, and is in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ed in ca<span class=\"_ _3\"></span>sh and c<span class=\"_ _3\"></span>ash e<span class=\"_ _3\"></span>quiv<span class=\"_ _3\"></span>alent<span class=\"_ _3\"></span>s. Ca<span class=\"_ _3\"></span>sh reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>n SPVs de<span class=\"_ _3\"></span>sig<span class=\"_ _3\"></span>nate<span class=\"_ _3\"></span>d as cas<span class=\"_ _3\"></span>h res<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ve cre<span class=\"_ _3\"></span>dit en<span class=\"_ _3\"></span>hanc<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nt is tre<span class=\"_ _3\"></span>ate<span class=\"_ _3\"></span>d as encumbered in<span class=\"_ _0\"></span> proportion to the<span class=\"_ _0\"></span> external holdings<span class=\"_ _0\"></span> in the SPV a<span class=\"_ _0\"></span>nd excluded<span class=\"_ _0\"></span> from cash and<span class=\"_ _0\"></span> cash equivalents. 2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Th<span class=\"_ _3\"></span>e Cas<span class=\"_ _3\"></span>h Rati<span class=\"_ _3\"></span>o Dep<span class=\"_ _3\"></span>osi<span class=\"_ _3\"></span>t was a sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e that f<span class=\"_ _3\"></span>unde<span class=\"_ _3\"></span>d the B<span class=\"_ _3\"></span>oE\u2019s mone<span class=\"_ _3\"></span>tary po<span class=\"_ _3\"></span>licy a<span class=\"_ _3\"></span>nd finan<span class=\"_ _3\"></span>cial s<span class=\"_ _3\"></span>tabil<span class=\"_ _3\"></span>ity fun<span class=\"_ _3\"></span>ctio<span class=\"_ _3\"></span>ns. On<span class=\"_ gs378\"> </span>1<span class=\"_ gs378\"> </span>M<span class=\"_ _3\"></span>arch 20<span class=\"_ _3\"></span>24 the sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e was re<span class=\"_ _3\"></span>pla<span class=\"_ _3\"></span>ced b<span class=\"_ _3\"></span>y an annu<span class=\"_ _3\"></span>al Bo<span class=\"_ _3\"></span>E Levy. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-535": {
   "value": "1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Ca<span class=\"_ _3\"></span>sh hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is ring-fe<span class=\"_ _3\"></span>nce<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e in man<span class=\"_ _3\"></span>agin<span class=\"_ _3\"></span>g the Gro<span class=\"_ _3\"></span>up\u2019<span class=\"_ _0\"></span>s s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>ritis<span class=\"_ _3\"></span>ed de<span class=\"_ _3\"></span>bt fac<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es und<span class=\"_ _3\"></span>er the t<span class=\"_ _3\"></span>erms of<span class=\"_ _3\"></span> se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisat<span class=\"_ _3\"></span>ion ag<span class=\"_ _3\"></span>ree<span class=\"_ _3\"></span>ment<span class=\"_ _3\"></span>s. Cas<span class=\"_ _3\"></span>h hel<span class=\"_ _3\"></span>d in SP<span class=\"_ _3\"></span>Vs is trea<span class=\"_ _3\"></span>ted as u<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered i<span class=\"_ _3\"></span>n prop<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tion to t<span class=\"_ _3\"></span>he reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>ntere<span class=\"_ _3\"></span>st in th<span class=\"_ _3\"></span>e SP<span class=\"_ _3\"></span>V<span class=\"_ _0\"></span>, ba<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n the no<span class=\"_ _3\"></span>mina<span class=\"_ _3\"></span>l value of t<span class=\"_ _3\"></span>he bo<span class=\"_ _3\"></span>nds h<span class=\"_ _3\"></span>eld by t<span class=\"_ _3\"></span>he Gro<span class=\"_ _3\"></span>up to total b<span class=\"_ _3\"></span>onds i<span class=\"_ _3\"></span>n the se<span class=\"_ _3\"></span>cur<span class=\"_ _3\"></span>itis<span class=\"_ _3\"></span>ation<span class=\"_ _3\"></span>, and is in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ed in ca<span class=\"_ _3\"></span>sh and c<span class=\"_ _3\"></span>ash e<span class=\"_ _3\"></span>quiv<span class=\"_ _3\"></span>alent<span class=\"_ _3\"></span>s. Ca<span class=\"_ _3\"></span>sh reta<span class=\"_ _3\"></span>ined i<span class=\"_ _3\"></span>n SPVs de<span class=\"_ _3\"></span>sig<span class=\"_ _3\"></span>nate<span class=\"_ _3\"></span>d as cas<span class=\"_ _3\"></span>h res<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ve cre<span class=\"_ _3\"></span>dit en<span class=\"_ _3\"></span>hanc<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nt is tre<span class=\"_ _3\"></span>ate<span class=\"_ _3\"></span>d as encumbered in<span class=\"_ _0\"></span> proportion to the<span class=\"_ _0\"></span> external holdings<span class=\"_ _0\"></span> in the SPV a<span class=\"_ _0\"></span>nd excluded<span class=\"_ _0\"></span> from cash and<span class=\"_ _0\"></span> cash equivalents. 2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Th<span class=\"_ _3\"></span>e Cas<span class=\"_ _3\"></span>h Rati<span class=\"_ _3\"></span>o Dep<span class=\"_ _3\"></span>osi<span class=\"_ _3\"></span>t was a sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e that f<span class=\"_ _3\"></span>unde<span class=\"_ _3\"></span>d the B<span class=\"_ _3\"></span>oE\u2019s mone<span class=\"_ _3\"></span>tary po<span class=\"_ _3\"></span>licy a<span class=\"_ _3\"></span>nd finan<span class=\"_ _3\"></span>cial s<span class=\"_ _3\"></span>tabil<span class=\"_ _3\"></span>ity fun<span class=\"_ _3\"></span>ctio<span class=\"_ _3\"></span>ns. On<span class=\"_ gs378\"> </span>1<span class=\"_ gs378\"> </span>M<span class=\"_ _3\"></span>arch 20<span class=\"_ _3\"></span>24 the sc<span class=\"_ _3\"></span>hem<span class=\"_ _3\"></span>e was re<span class=\"_ _3\"></span>pla<span class=\"_ _3\"></span>ced b<span class=\"_ _3\"></span>y an annu<span class=\"_ _3\"></span>al Bo<span class=\"_ _3\"></span>E Levy. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-444": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs445\">16. <span class=\"_ _18\"></span>In<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div><div class=\"gs36e\"><table class=\"s w23f hf2\" id=\"_a3a5c4ab-67f5-4186-ad65-0704605507fb\"><tr><td></td><td class=\"t m1 x45b h21 y3f64 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3f64 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3f65 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3f65 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x41d ha y3f66 ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st<span class=\"_ _b8\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3f67 w44a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">RMB<span class=\"_ _3\"></span>S loan note<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c7 y3f68 w44b hce\"><div class=\"t m1 x247 ha y3e2d ff1 fs6 fc4 sc0 lse4 wsdd\">7<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c8 y3f67 w44c hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f69 w44d hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Covere<span class=\"_ _3\"></span>d bond<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c9 y3f6a w44e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ca y3f69 w1c8 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x476 y3f6b w44f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls24 ws132\">798.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6cb y3f6c w450 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3f6d ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at FVOCI<span class=\"_ _26d\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3f38 w451 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">UK S<span class=\"_ _3\"></span>overeign debt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6cc y3e22 w452 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6cd y3f38 w453 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">296.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x4fa y3e96 w454 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls14 ws12\">226<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ce y3e9e w455 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">296<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d ha y3f6e ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at FV<span class=\"_ _3\"></span>TPL<span class=\"_ _2a1\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3dfe w44a hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">RMB<span class=\"_ _3\"></span>S loan note<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6cf y3e4e w456 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lse4 wsdd\">41<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d0 y3dfe w457 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6d1 y3e55 w458 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1c ws1b\">1,4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d2 y3d5a w459 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs446\">At 31 December 2024<span class=\"_ _0\"></span>, the Group had no RMB<span class=\"_ _0\"></span>S loan notes (2023: nil) sold under r<span class=\"_ _0\"></span>epos. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs447\">The Director<span class=\"_ _0\"></span>s consider that the primary purpose of holding inves<span class=\"_ _0\"></span>tment securities is prudential. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs448\">These securities are held as liquid assets with the in<span class=\"_ _0\"></span>tention of use on a continuing basis in the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs449\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities and are classified as amortised cos<span class=\"_ _0\"></span>t, FVOCI and FVTPL in accordance with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs44a\">the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s business model for each security.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs44b\">The credit risk on in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities held at amor<span class=\"_ _3\"></span>tised cos<span class=\"_ _0\"></span>t has not significantly increased </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs44c\">since initial recognition and is categorise<span class=\"_ _0\"></span>d as stage 1. A<span class=\"_ _0\"></span>t 31 December 2024<span class=\"_ _0\"></span>, there were no </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs44d\">ECLs on inv<span class=\"_ _0\"></span>estment securities (2<span class=\"_ _0\"></span>023: nil).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs44e\">Mov<span class=\"_ _0\"></span>ements during the year in inv<span class=\"_ _0\"></span>estment securities held by the Gr<span class=\"_ _0\"></span>oup are analysed as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"gs44f\"><table class=\"s w45a hf3\" id=\"_0ed35e55-deb3-49af-8ed5-22899e90f930\"><tr><td></td><td class=\"t m1 x45b h21 y3f6f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3f6f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x45d h21 y3f70 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3f70 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f4c w45b hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d3 y3f71 w45c hcb\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls1f ws61\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d4 y3f4c w45d hc7\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 lse9 wse4\">41<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9</div></td></tr><tr><td class=\"c x248 y3f72 w45e hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\"><span class=\"_ gsd4\"> </span>Addition<span class=\"_ _3\"></span>s</div><div class=\"t m1 x6d5 h20 y3e05 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d6 y3e22 w45f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">1,597<span class=\"_ _2\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d7 y3e20 w460 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls101 ws6f\">664<span class=\"_ _0\"></span>.3</div></td></tr><tr><td class=\"c x248 y3f74 w461 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\"><span class=\"_ gsd4\"> </span>Disp<span class=\"_ _3\"></span>osals and m<span class=\"_ _3\"></span>aturities</div><div class=\"t m1 x6d8 h20 y3f73 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x460 y3e96 w462 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls17 ws13\">(789<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d9 y3e24 w463 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls14 ws12\">(<span class=\"_ _3\"></span>456.<span class=\"_ _3\"></span>3)</div></td></tr><tr><td class=\"c n x248 y3e60 w464 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\"><span class=\"_ gsd4\"> </span>Movem<span class=\"_ _3\"></span>ent in accru<span class=\"_ _3\"></span>ed interest<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6da y3e52 w465 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6db y3e60 w466 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls1f ws61\">1.0</div></td></tr><tr><td class=\"c n x248 y3dfe w467 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls0 ws0\"><span class=\"_ gsd4\"> </span>Change<span class=\"_ _3\"></span>s in fair value<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6dc y3dfd w468 hcb\"><div class=\"t m1 x247 ha y3f75 ff1 fs6 fc4 sc0 lse4 wsdd\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6dd y3dfe w469 hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls14 ws12\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e01 w46a hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6de y3e01 w46b hcc\"><div class=\"t m1 x247 ha y3e21 ff1 fs6 fc4 sc0 ls1c ws1b\">1,4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6df y3d5a w46c hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls14 ws12\">62<span class=\"_ _3\"></span>1.7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs450\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Add<span class=\"_ _3\"></span>ition<span class=\"_ _3\"></span>s inc<span class=\"_ _3\"></span>lude \u00a3<span class=\"_ _3\"></span>786.1m of note<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>eiv<span class=\"_ _3\"></span>ed as p<span class=\"_ _3\"></span>ar<span class=\"_ _3\"></span>t of PMF 2<span class=\"_ _3\"></span>024-2 se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisa<span class=\"_ _3\"></span>tion. I<span class=\"_ _3\"></span>n 2023 ad<span class=\"_ _3\"></span>diti<span class=\"_ _3\"></span>ons in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ed \u00a32<span class=\"_ _3\"></span>33.9m </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs451\">UK Treas<span class=\"_ _3\"></span>ury bil<span class=\"_ _3\"></span>ls whic<span class=\"_ _3\"></span>h had a m<span class=\"_ _3\"></span>aturi<span class=\"_ _3\"></span>ty of les<span class=\"_ _3\"></span>s than t<span class=\"_ _3\"></span>hree m<span class=\"_ _3\"></span>onths f<span class=\"_ _3\"></span>rom da<span class=\"_ _3\"></span>te of ac<span class=\"_ _3\"></span>quisi<span class=\"_ _3\"></span>tion.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs452\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>20<span class=\"_ _3\"></span>23 Dis<span class=\"_ _3\"></span>pos<span class=\"_ _3\"></span>als and m<span class=\"_ _3\"></span>atur<span class=\"_ _3\"></span>itie<span class=\"_ _3\"></span>s incl<span class=\"_ _3\"></span>ude \u00a3<span class=\"_ _3\"></span>323.9m of UK Treasu<span class=\"_ _3\"></span>ry bill<span class=\"_ _3\"></span>s whic<span class=\"_ _3\"></span>h had a m<span class=\"_ _3\"></span>aturi<span class=\"_ _3\"></span>ty of les<span class=\"_ _3\"></span>s than th<span class=\"_ _3\"></span>ree m<span class=\"_ _3\"></span>onths f<span class=\"_ _3\"></span>rom </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls142 ws17e gs453\">date of acquisition.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs455\">At 31 December 2024<span class=\"_ _0\"></span>, in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities included inves<span class=\"_ _0\"></span>tments in unconsolidated s<span class=\"_ _0\"></span>tructured </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs456\">entities (see note 4<span class=\"_ _0\"></span>2) of \u00a392.6m (2023: \u00a3100<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) notes in PMF 2<span class=\"_ _0\"></span>020-1B and \u00a34<span class=\"_ _0\"></span>72.<span class=\"_ _0\"></span>5m (2023: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs457\">nil) notes in PMF 2024-2. These in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>ts represen<span class=\"_ _0\"></span>t the maximum exposure to loss from </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs458\">unconsolidated s<span class=\"_ _0\"></span>tructured entities<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-490": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs45a\">17<span class=\"_ _5\"></span>. <span class=\"_ _33\"> </span>Loans and advances to customers<span class=\"_ _35a\"> </span></div><div class=\"gs45b\"><table class=\"s w46d hf4\" id=\"_052d85de-9b43-418c-9419-5cd75cd4955e\"><tr><td></td><td class=\"t m1 x47d h21 y3f76 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f76 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f77 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f77 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3f78 ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _28d\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3f79 w46e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>see n<span class=\"_ _3\"></span>ote 18)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e0 y3f7a w46f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls162 ws171\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,92<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e1 y3f79 w470 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>67<span class=\"_ _1\"></span>4.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f7b w471 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Finance l<span class=\"_ _3\"></span>ease<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 19<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e2 y3f7c w472 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>16<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e3 y3f7b w473 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls62 ws5e\">222.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e4 y3f7d w474 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e5 y3f7e w475 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f7f w476 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Less: Exp<span class=\"_ _3\"></span>ected c<span class=\"_ _3\"></span>redit los<span class=\"_ _3\"></span>ses (see note 20)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e6 y3f80 w477 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls14 ws12\">(126.9<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e7 y3f7f w478 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(145.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e8 y3f81 w479 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>13<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e9 y3f82 w47a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls59 wsde\">25,751.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f83 ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at FV<span class=\"_ _3\"></span>TPL:<span class=\"_ _a9\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3f84 w47b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Residenti<span class=\"_ _0\"></span>al mortgages<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ea y3f85 w47c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6eb y3f84 w47d hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6ec y3e55 w47e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">25,1<span class=\"_ _0\"></span>26.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ed y3f43 w47f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs45c\">18. <span class=\"_ _1\"></span>Loans and advances<span class=\"_ _35a\"> </span></div><div class=\"gs45d\"><table class=\"s w41d hef\" id=\"_ef07c48f-fb53-43d4-9b19-ce398afe6473\"><tr><td></td><td></td><td class=\"c n x698 y3f52 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x699 y3f52 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y3f53 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69b h21 y3f53 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x401 h21 y3f53 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69c h21 y3f53 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69d h21 y3f53 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3f53 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x69e h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3f56 w420 hf0\"><div class=\"t m1 x247 ha y3f55 ff1 fs6 fc4 sc0 ls0 ws0\">Gro<span class=\"_ _3\"></span>ss carrying<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">amount<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y3f57 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></td><td class=\"c n x6a3 y3f58 w421 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd3 ws2\">12,02<span class=\"_ _3\"></span>9<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a4 y3f58 w422 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a5 y3f58 wb9 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a6 y3f58 w423 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsd0 wsce\">11,0<span class=\"_ _3\"></span>48.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a7 y3f58 w424 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a8 y3f58 w425 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsd8 ws5c\">20,3<span class=\"_ _3\"></span>62.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f59 w426 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a9 y3f5a w427 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">2<span class=\"_ _3\"></span>,411<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6aa y3f5a w428 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ab y3f5a w429 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ac y3f5a w42a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,7<span class=\"_ _3\"></span>12.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ad y3f5a w42b hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,819<span class=\"_ _2\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ae y3f5a w42c hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5b w42d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6af y3f5c w42e hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">653.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b0 y3f5c w42f hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b1 y3f5c w430 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b2 y3f5c w431 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>1.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b3 y3f5c w432 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"> </span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b4 y3f5c w433 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">7<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5d w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b5 y3f5e w435 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b6 y3f5e w436 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">32<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b7 y3f5e w437 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b8 y3f5e w438 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b9 y3f5e w439 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ba y3f5e w43a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6bb y3f5f w43b hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _0\"></span>5,1<span class=\"_ _0\"></span>22.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6bc y3f5f w43c hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,801.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6bd y3f5f w43d hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>23<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6be y3f5f w43e hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">14,286.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6bf y3f5f w43f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _18\"> </span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c0 y3f5f w440 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>67<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs45e\">The mortgage loan balances pledged as collater<span class=\"_ _0\"></span>al for liabilities are:<span class=\"_ _35a\"> </span></div><div class=\"gs45f\"><table class=\"s w441 hf1\" id=\"_fea7dd86-c009-41b2-8cde-1b553e36e293\"><tr><td></td><td class=\"t m1 x2c8 h21 y3f60 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3f60 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y3f61 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3f61 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f62 w442 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">BoE under TF<span class=\"_ _0\"></span>SME and IL<span class=\"_ _2\"></span>TR<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c1 y3f63 w443 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">3,745<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c2 y3f62 w444 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">6<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>2.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5d w445 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Securitisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c3 y3f5e w446 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">9<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c4 y3f5d w447 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1a ws16\">8<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6c5 y3f5f w448 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>41<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c6 y3d5a w449 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">6<span class=\"_ _1\"></span>,93<span class=\"_ _1\"></span>4.1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs461\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation progr<span class=\"_ _0\"></span>ammes and use of TFSME and IL<span class=\"_ _2\"></span>TR result in certain assets being </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs462\">encumbered as collater<span class=\"_ _0\"></span>al against such funding. As at 31 December 2024<span class=\"_ _0\"></span>, the percen<span class=\"_ _0\"></span>tage of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs463\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s gross loans and adv<span class=\"_ _0\"></span>ances to customer<span class=\"_ _0\"></span>s that are encumbered w<span class=\"_ _0\"></span>as 19% (2023: 27%). </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs464\">The table belo<span class=\"_ _0\"></span>w shows the mov<span class=\"_ _0\"></span>ement in loans and advances to cus<span class=\"_ _0\"></span>tomers by IFR<span class=\"_ _0\"></span>S 9 stage </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs465\">during the year:<span class=\"_ _35a\"> </span></div><div class=\"gs466\"><table class=\"s w480 hf5\" id=\"_9b5adb62-7cf7-4216-9284-2f067a9037cb\"><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x6ee h21 y3f86 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3 </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6ef h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 1<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f0 h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 2<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f2 h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">(POCI)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y3f87 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x6f3 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f4 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f5 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f6 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td class=\"c n x248 y3d6e wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6f7 y3d6f w481 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsb ws8\">18,563.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6f8 y3d6f w482 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">4<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6f9 y3d6f w483 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">5<span class=\"_ _3\"></span>01.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fa y3d6f w484 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8<span class=\"_ _3\"></span>3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fb y3d6f w485 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>,5<span class=\"_ _1\"></span>64<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d70 w486 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Originations</div><div class=\"t m1 x6fc h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fd y3f89 w487 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsff wsff\">4,<span class=\"_ _3\"></span>561<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fe y3f89 w488 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ff y3f89 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x700 y3f89 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x701 y3f89 w487 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsff wsff\">4,5<span class=\"_ _3\"></span>61<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d72 we1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Acquisi<span class=\"_ _3\"></span>tions</div><div class=\"t m1 x344 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x702 y3f8a w48a hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf8 wsf6\">17<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x703 y3f8a w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x704 y3f8a w488 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x705 y3f8a w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x706 y3f8a w48a hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf8 wsf6\">17<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d74 w48b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Repaym<span class=\"_ _3\"></span>ents and wr<span class=\"_ _3\"></span>ite-offs</div><div class=\"t m1 x707 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x708 y3f8b w48c hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">(2,041.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x709 y3f8b w48d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _18\"> </span>4<span class=\"_ _1\"></span>47.<span class=\"_ _18\"> </span>2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70a y3f8b w48e hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70b y3f8b w48f hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>12<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70c y3f8b w490 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">(2,628<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"t m1 x24c hf y3f8c ff2 fs6 fc4 sc0 lsed wse8\">Tr<span class=\"_ _3\"></span>a<span class=\"_ _1\"></span>n<span class=\"_ _3\"></span>s<span class=\"_ _1\"></span>f<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>r<span class=\"_ _1\"></span>s<span class=\"_ _3\"></span>:<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3f8d ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 1<span class=\"_ _35a\"> </span></td><td class=\"c n x70d y3d7c w491 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls28 ws43\">1,5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70e y3d7c w492 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70f y3d7c w493 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls28 ws43\">(<span class=\"_ _3\"></span>14.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x710 y3d7c w488 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x711 y3d7c w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c n x248 y3d7d w494 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x712 y3d7e w495 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(2,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>9<span class=\"_ _0\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x713 y3d7e w496 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x714 y3d7e w497 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsb ws8\">(48.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x715 y3d7e w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x716 y3d7e w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c n x248 y3f8e w498 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x717 y3f8f w499 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(133<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x718 y3f8f w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(264.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x719 y3f8f w49a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71a y3f8f w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71b y3f8f w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c n x248 y3d81 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71c y3d82 w49b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2<span class=\"_ _3\"></span>0,362.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71d y3d82 w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71e y3d82 w433 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">7<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71f y3d82 w49c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x720 y3d82 w49d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3f90 w486 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Originations</div><div class=\"t m1 x6fc h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x708 y3f92 w49e hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">3,7<span class=\"_ _3\"></span>71.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x721 y3f92 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x722 y3f92 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x723 y3f92 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x724 y3f92 w49e hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">3,7<span class=\"_ _3\"></span>71.6<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d85 we1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Acquisi<span class=\"_ _3\"></span>tions</div><div class=\"t m1 x344 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x725 y3f93 w49f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x726 y3f93 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x727 y3f93 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x728 y3f93 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x729 y3f93 w4a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3f94 w4a1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Disposals</div><div class=\"t m1 x72a h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x708 y3f95 w4a2 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd2 wsd1\">(1,<span class=\"_ _0\"></span>126.<span class=\"_ _0\"></span>1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72b y3f95 w4a3 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd8 ws5c\">(124.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72c y3f95 w106 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls5a wsc2\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72d y3f95 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72e y3f95 w4a4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(1<span class=\"_ _3\"></span>,2<span class=\"_ _3\"></span>50.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d89 w48b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Repaym<span class=\"_ _3\"></span>ents and wr<span class=\"_ _3\"></span>ite-offs</div><div class=\"t m1 x707 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72f y3f96 w4a5 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls6f ws6b\">(2,669.7)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x730 y3f96 w4a6 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd wsd0\">(469<span class=\"_ _2\"></span>.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x731 y3f96 w138 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x732 y3f96 w4a7 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(1<span class=\"_ _3\"></span>0.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x733 y3f96 w4a8 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x734 y3f96 w4a9 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y3f97 ff2 fs6 fc4 sc0 lsed wse8\">Tr<span class=\"_ _3\"></span>a<span class=\"_ _1\"></span>n<span class=\"_ _3\"></span>s<span class=\"_ _1\"></span>f<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>r<span class=\"_ _1\"></span>s<span class=\"_ _3\"></span>:<span class=\"_ _28f\"> </span><span class=\"ff1 fs0 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d8d w4aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x735 y3f98 w4ab hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>44<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x736 y3f98 w4ac hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">(1,210.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x737 y3f98 w4ad hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x738 y3f98 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x739 y3f98 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d90 w494 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73a y3f99 w4ae hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls2a wsc\">(1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>87<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73b y3f99 w4af hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73c y3f99 w4b0 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">(<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73d y3f99 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x73e y3f99 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d92 w498 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73f y3d93 w4b1 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>14<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x740 y3d93 w4b2 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">(313.9<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x741 y3d93 w4b3 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x742 y3d93 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x743 y3d93 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x744 y3d5a wb9 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x745 y3d5a w4b4 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x746 y3d5a w430 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x747 y3d5a w4b5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">60.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x748 y3d5a w4b6 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>23<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs467\">1. <span class=\"_ _14\"> </span>Origina<span class=\"_ _3\"></span>tions include fur<span class=\"_ _3\"></span>ther advance<span class=\"_ _3\"></span>s and drawdowns on existing commitments. </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs468\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Th<span class=\"_ _3\"></span>e Grou<span class=\"_ _3\"></span>p repu<span class=\"_ _3\"></span>rchas<span class=\"_ _3\"></span>ed \u00a3<span class=\"_ _3\"></span>5.<span class=\"_ _0\"></span>9m (202<span class=\"_ _3\"></span>3: \u00a3175<span class=\"_ _3\"></span>.8m) of own<span class=\"_ _3\"></span>-ori<span class=\"_ _3\"></span>ginate<span class=\"_ _3\"></span>d UK r<span class=\"_ _3\"></span>esid<span class=\"_ _3\"></span>enti<span class=\"_ _3\"></span>al and Bu<span class=\"_ _3\"></span>y-to-Let m<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tgag<span class=\"_ _3\"></span>es fro<span class=\"_ _3\"></span>m </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs469\">de<span class=\"_ _3\"></span>cons<span class=\"_ _3\"></span>olid<span class=\"_ _3\"></span>ate<span class=\"_ _3\"></span>d SPVs at p<span class=\"_ _3\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs46a\">3. <span class=\"_ _12\"> </span>Rep<span class=\"_ _3\"></span>ayme<span class=\"_ _3\"></span>nts an<span class=\"_ _3\"></span>d write<span class=\"_ _3\"></span>-off<span class=\"_ _3\"></span>s inclu<span class=\"_ _3\"></span>de cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>er re<span class=\"_ _3\"></span>dempt<span class=\"_ _3\"></span>ions a<span class=\"_ _3\"></span>nd \u00a3<span class=\"_ _3\"></span>10.7m (<span class=\"_ _0\"></span>20<span class=\"_ _3\"></span>23: \u00a33<span class=\"_ _3\"></span>3.6<span class=\"_ _3\"></span>m<span class=\"_ _0\"></span>) of w<span class=\"_ _3\"></span>rite<span class=\"_ _3\"></span>-offs du<span class=\"_ _3\"></span>ring th<span class=\"_ _3\"></span>e ye<span class=\"_ _3\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs46b\">4. <span class=\"_ _e\"> </span>D<span class=\"_ _3\"></span>isp<span class=\"_ _3\"></span>osa<span class=\"_ _3\"></span>ls inc<span class=\"_ _3\"></span>lude l<span class=\"_ _3\"></span>oans a<span class=\"_ _3\"></span>nd ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers d<span class=\"_ _3\"></span>erec<span class=\"_ _3\"></span>ogn<span class=\"_ _3\"></span>ise<span class=\"_ _3\"></span>d as par<span class=\"_ _3\"></span>t of th<span class=\"_ _3\"></span>e PMF 2<span class=\"_ _3\"></span>024-2 se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisa<span class=\"_ _3\"></span>tion.<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs46d\">The contr<span class=\"_ _0\"></span>actual amount outst<span class=\"_ _0\"></span>anding on loans and advances that wer<span class=\"_ _0\"></span>e written off during </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs46e\">the reporting period and wer<span class=\"_ _0\"></span>e still subject to collections and reco<span class=\"_ _0\"></span>very activity w<span class=\"_ _0\"></span>as \u00a31.<span class=\"_ _0\"></span>9m at </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs46f\">31 December 2024 (202<span class=\"_ _0\"></span>3: \u00a30.<span class=\"_ _0\"></span>3m).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs470\">As at 31 December 2024<span class=\"_ _0\"></span>, loans and advances of \u00a3280<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8m (2023: \u00a3126<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) w<span class=\"_ _0\"></span>ere in a probation </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs471\">period befor<span class=\"_ _0\"></span>e they can move out o<span class=\"_ _0\"></span>f Stage 3, see not<span class=\"_ _0\"></span>e 1 m (vii). for further details. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs472\">Where a borro<span class=\"_ _0\"></span>wer has multiple f<span class=\"_ _0\"></span>acilities, all facilities are consider<span class=\"_ _0\"></span>ed in default when a minimum </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs473\">threshold of the borr<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>er\u2019<span class=\"_ _0\"></span>s exposure has been classifie<span class=\"_ _0\"></span>d as defaulted. As at 31 December 2024<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs474\">loans and advances of \u00a37<span class=\"_ _0\"></span>2.<span class=\"_ _0\"></span>0m (2023: \u00a355<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) w<span class=\"_ _0\"></span>ere in this category of de<span class=\"_ _0\"></span>fault.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-445": {
   "value": "17<span class=\"_ _5\"></span>. <span class=\"_ _33\"> </span>Loans and advances to customers<span class=\"_ _35a\"> </span><table class=\"s w46d hf4\" id=\"_052d85de-9b43-418c-9419-5cd75cd4955e\"><tr><td></td><td class=\"t m1 x47d h21 y3f76 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x47e h21 y3f76 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x47f h21 y3f77 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x480 h21 y3f77 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x481 ha y3f78 ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at amort<span class=\"_ _3\"></span>ised co<span class=\"_ _3\"></span>st:<span class=\"_ _28d\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3f79 w46e hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>see n<span class=\"_ _3\"></span>ote 18)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e0 y3f7a w46f hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls162 ws171\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,92<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e1 y3f79 w470 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>67<span class=\"_ _1\"></span>4.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f7b w471 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Finance l<span class=\"_ _3\"></span>ease<span class=\"_ _3\"></span>s (<span class=\"_ _0\"></span>se<span class=\"_ _3\"></span>e note 19<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e2 y3f7c w472 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>16<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e3 y3f7b w473 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls62 ws5e\">222.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e4 y3f7d w474 hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e5 y3f7e w475 hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f7f w476 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Less: Exp<span class=\"_ _3\"></span>ected c<span class=\"_ _3\"></span>redit los<span class=\"_ _3\"></span>ses (see note 20)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e6 y3f80 w477 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls14 ws12\">(126.9<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e7 y3f7f w478 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls1f ws61\">(145.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e8 y3f81 w479 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>13<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6e9 y3f82 w47a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls59 wsde\">25,751.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x481 ha y3f83 ff1 fs6 fc4 sc0 ls0 ws0\">Hel<span class=\"_ _3\"></span>d at FV<span class=\"_ _3\"></span>TPL:<span class=\"_ _a9\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3f84 w47b hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Residenti<span class=\"_ _0\"></span>al mortgages<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ea y3f85 w47c hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6eb y3f84 w47d hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6ec y3e55 w47e hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls62 ws5e\">25,1<span class=\"_ _0\"></span>26.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ed y3f43 w47f hc7\"><div class=\"t m1 x247 ha y3e26 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td></tr></table><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls71 ws0 gs476\">The Group has recognise<span class=\"_ _0\"></span>d \u00a34.<span class=\"_ _0\"></span>1m o<span class=\"_ _0\"></span>f ECLs on finance leases as at 31 December 2024 (2023: \u00a33<span class=\"_ _0\"></span>.0m). </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls23 ws0 gs477\">During the year<span class=\"_ _0\"></span>, originations in In<span class=\"_ _0\"></span>terBay Asset Finance Limited amounted t<span class=\"_ _0\"></span>o \u00a3182.1m (<span class=\"_ _0\"></span>2023: \u00a3130.<span class=\"_ _0\"></span>5m).<span class=\"_ _35a\"> </span></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs479\">20<span class=\"_ _0\"></span>. <span class=\"_ _2\"></span>Expe<span class=\"_ _3\"></span>cted credit losses<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs47a\">The ECL has been calculat<span class=\"_ _0\"></span>ed based on various scenarios as set out below:<span class=\"_ _35a\"> </span></div><div class=\"gs47b\"><table class=\"s w4dd hf7\" id=\"_8be29df8-b7c1-4763-b96f-b74bcd72266d\"><tr><td></td><td></td><td class=\"c n x6fd y3fb6 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x766 y3fb6 w4df hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x767 h21 y3fb7 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td></td><td></td><td class=\"t m1 x768 h21 y3fb7 ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td class=\"c n x769 y3fb8 w4e0 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls48 ws0\">ECL provision</div></td><td class=\"c n x76a y3fb8 w4e1 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Weighting</div></td><td class=\"c n x76b y3fb8 w4e2 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">ECL provision</div></td><td class=\"c n x76c y3fb8 w4e3 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">ECL provision</div></td><td class=\"c n x76d y3fb8 w4e4 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighting</div></td><td class=\"t m1 x76e h21 y3fb9 ff1 fs5 fc5 sc0 ls0 ws0\">ECL provision </td></tr><tr><td></td><td class=\"c n x76f y3fba w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x770 y3fba w4e6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"c n x771 y3fba w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x772 y3fba w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x773 y3fba w4e6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"c n x774 y3fba w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y3fbb ff1 fs6 fc4 sc0 ls119 ws1a\">Sc<span class=\"_ _3\"></span>enari<span class=\"_ _3\"></span>os<span class=\"_ _2b2\"> </span><span class=\"fs0 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fbc w4e7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Upside<span class=\"_ _35a\"> </span></div></td><td class=\"c n x775 y3fbd w4e8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">53.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x776 y3fbd w4e9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x777 y3fbd w4ea hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">16.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x778 y3fbd w4eb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x779 y3fbd w4ec hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x77a y3fbd w4ed hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fbe w4ee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Base case<span class=\"_ _35a\"> </span></div></td><td class=\"c n x77b y3fbf w4ef hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">63.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x77c y3fbf w4f0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">40<span class=\"_ _35a\"> </span></div></td><td class=\"c n x77d y3fbf w4f1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">2<span class=\"_ _3\"></span>5.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x77e y3fbf w4f2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf9 wsf7\">76<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x77f y3fbf w4f3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">40<span class=\"_ _35a\"> </span></div></td><td class=\"c n x780 y3fbf w4f4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">30.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fc0 w4f5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Downside scenario<span class=\"_ _35a\"> </span></div></td><td class=\"c n x781 y3fc1 w4f6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">114.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x782 y3fc1 w4f7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">20<span class=\"_ _35a\"> </span></div></td><td class=\"c n x783 y3fc1 w4f8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x784 y3fc1 w4f9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x785 y3fc1 w4fa hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc8 ws29\">20<span class=\"_ _35a\"> </span></div></td><td class=\"c n x49a y3fc1 w4fb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y3fc2 ff2 fs6 fc4 sc0 ls0 ws0\">Seve<span class=\"_ _3\"></span>re downsid<span class=\"_ _3\"></span>e </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3fc3 ff2 fs6 fc4 sc0 lsc4 ws26\">scenario<span class=\"_ _35a\"> </span></td><td class=\"c n x786 y3fc4 w4fc hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">153.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x787 y3fc4 w4fd hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd2 wsd1\">10<span class=\"_ _35a\"> </span></div></td><td class=\"c n x788 y3fc4 w4fe hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">15.3</div></td><td class=\"c n x789 y3fc4 w4ff hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsc8 ws29\">206.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x78a y3fc4 w500 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsc7 wsc4\">10<span class=\"_ _35a\"> </span></div></td><td class=\"c n x78b y3fc4 w501 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd8 ws5c\">20.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y3fc5 ff2 fs6 fc4 sc0 ls68 ws14\">T<span class=\"_ _0\"></span>otal wei<span class=\"_ _3\"></span>ghted </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3fc6 ff2 fs6 fc4 sc0 ls69 ws1e\">provisions<span class=\"_ _35a\"> </span></td><td></td><td></td><td class=\"c n x78c y3fc7 w502 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc3 wsc1\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x78d y3fc7 w503 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd9 wsd5\">9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y3fc8 ff1 fs6 fc4 sc0 lsc4 ws26\">Other provisions:<span class=\"_ _4a\"> </span><span class=\"fs0 ls0 ws0\"> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3fc9 ff2 fs6 fc4 sc0 lse6 wse1\">Indivi<span class=\"_ _0\"></span>duall<span class=\"_ _0\"></span>y assessed </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3fca ff2 fs6 fc4 sc0 ls69 ws1e\">provisions<span class=\"_ _35a\"> </span></td><td></td><td></td><td class=\"c n x78c y3fcb w504 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x78e y3fcb w505 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls0 ws0\">25.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y3fcc ff2 fs6 fc4 sc0 ls0 ws0\">Post m<span class=\"_ _3\"></span>odel </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3fcd ff2 fs6 fc4 sc0 ls0 ws0\">adjustm<span class=\"_ _3\"></span>ents<span class=\"_ _35a\"> </span></td><td></td><td></td><td class=\"c n x78f y3fce w506 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x790 y3fce w507 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd2 wsd1\">23.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w508 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> provision<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x791 y3d5a w509 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">126.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x792 y3d5a w50a hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd3 ws2\">1<span class=\"_ _3\"></span>45.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs47c\">The Group held \u00a39<span class=\"_ _2\"></span>.7<span class=\"_ _0\"></span>m (2<span class=\"_ _0\"></span>023: \u00a323.<span class=\"_ _0\"></span>5m) of ECL due t<span class=\"_ _0\"></span>o post model adjus<span class=\"_ _0\"></span>tments for risk<span class=\"_ _0\"></span>s not </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs47d\">sufficiently accounted for in the IFRS 9 fr<span class=\"_ _0\"></span>amew<span class=\"_ _0\"></span>ork. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs47f\">The Group continued t<span class=\"_ _0\"></span>o recognise the increases in cre<span class=\"_ _0\"></span>dit risk due to the cost of borr<span class=\"_ _0\"></span>owing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs480\">as str<span class=\"_ _0\"></span>esses persist and in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rates have r<span class=\"_ _0\"></span>emained elevate<span class=\"_ _0\"></span>d and are expected t<span class=\"_ _0\"></span>o remain </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs481\">higher for longer<span class=\"_ _0\"></span>. This r<span class=\"_ _0\"></span>esulted in a PMA \u00a32.<span class=\"_ _0\"></span>1m of pro<span class=\"_ _0\"></span>vision held (2023: \u00a39<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4m) noting that the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs482\">component associated with cos<span class=\"_ _0\"></span>t of living risk<span class=\"_ _0\"></span>s has been remove<span class=\"_ _0\"></span>d due to robust w<span class=\"_ _0\"></span>age gro<span class=\"_ _0\"></span>wth </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs483\">which has aligned with inflation. The Group con<span class=\"_ _0\"></span>tinued to observe an elongated time to sale<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs484\">which was in e<span class=\"_ _0\"></span>xcess of modelled e<span class=\"_ _0\"></span>xpectations and observations prior to the pandemic which </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs485\">accounted f<span class=\"_ _0\"></span>or \u00a36.3m (<span class=\"_ _0\"></span>2023: \u00a310.<span class=\"_ _0\"></span>0m) as a PMA. Physical risk relating t<span class=\"_ _0\"></span>o climate change and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs486\">concerns around cladding are less material ho<span class=\"_ _0\"></span>we<span class=\"_ _0\"></span>ver continue to be r<span class=\"_ _0\"></span>ecognised through the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs487\">PMA frame<span class=\"_ _0\"></span>work.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs488\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s ECL<span class=\"_ _0\"></span> by segment and IFRS 9 s<span class=\"_ _0\"></span>tage is shown belo<span class=\"_ _0\"></span>w: </div><div class=\"gs489\"><table class=\"s w50b hf8\" id=\"_274016ec-1905-4ac9-86e9-5f2f32a55389\"><tr><td></td><td></td><td class=\"c n x793 y3fcf w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x794 y3fcf w50c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">20<span class=\"_ _3\"></span>23<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x795 h21 y3fd0 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x796 h21 y3fd0 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x797 h21 y3fd0 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 x798 h21 y3fd0 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x799 h21 y3fd0 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3fd0 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x79a h21 y3fd1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y3fd1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y3fd1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y3fd1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y3fd1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3fd1 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d51 w50d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x79f y3fd2 w50e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a0 y3fd2 w50f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a1 y3fd2 w510 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a2 y3d51 w511 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a3 y3d51 w512 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a4 y3d51 w513 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w426 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a5 y3fd4 w514 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a6 y3fd4 w515 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a7 y3fd4 w4d7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a8 y3fd3 w516 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7a9 y3fd3 w517 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7aa y3fd3 w518 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">5<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w42d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ab y3fd6 w519 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lseb ws27\">58.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ac y3fd6 w51a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ad y3fd6 w51b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">71.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ae y3fd5 w51c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">5<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7af y3fd5 w51d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">11<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b0 y3fd5 w51e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">66.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w434 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b1 y3d57 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b2 y3d57 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b3 y3d57 w520 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b4 y3d58 w521 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b5 y3d58 w522 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b6 y3d58 w523 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x7b7 y3d59 w524 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.1</div></td><td class=\"c n x7b8 y3d59 w525 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">25.8</div></td><td class=\"c n x7b9 y3d59 w526 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ba y3d5a w527 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">111.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7bb y3d5a w169 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">3<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>7</div></td><td class=\"c n x7bc y3d5a w528 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls22 wse7\">145<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs48a\">The table abov<span class=\"_ _0\"></span>e shows the mo<span class=\"_ _0\"></span>vement in the ECL<span class=\"_ _0\"></span> by IFRS 9 st<span class=\"_ _0\"></span>age during the year<span class=\"_ _0\"></span>. ECLs on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs48b\">originations and acquisitions reflect the IFR<span class=\"_ _0\"></span>S 9 stage of lo<span class=\"_ _0\"></span>ans originated or acquired during </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs48c\">the year as at 31 December and not the date of origination. R<span class=\"_ _0\"></span>e-measurement of loss allo<span class=\"_ _0\"></span>wance </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs48d\">relates to e<span class=\"_ _0\"></span>xisting loans which did not r<span class=\"_ _0\"></span>edeem during the year and includes the impact of loans </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs48e\">moving betw<span class=\"_ _0\"></span>een IFRS 9 st<span class=\"_ _0\"></span>ages. </div><div class=\"gs490\"><table class=\"s w54c hfb\" id=\"_79d7773a-3b20-4335-a956-d9ca9d837aba\"><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x421 h21 y3fe9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m1 x524 h21 y3fea ff1 fs5 fc5 sc0 ls0 ws0\">Stage 1<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7e5 h21 y3fea ff1 fs5 fc5 sc0 ls0 ws0\">Stage 2<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7e6 h21 y3fea ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7e7 h21 y3fea ff1 fs5 fc5 sc0 ls0 ws0\">(POCI)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y3fea ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x7e8 h21 y3feb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7e9 h21 y3feb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7ea h21 y3feb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7eb h21 y3feb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45e h21 y3feb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fec w2ba hd5\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ec y3fed w54d hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd9 wsd5\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ed y3fed w54e hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lscd wscc\">5<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ee y3fed w54f hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lse wsf4\">68.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ef y3fed w550 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsfa wsf8\">3.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f0 y3fed w551 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd0 wsce\">13<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fee w552 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls69 ws1e\">Originations<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f1 y3fef w553 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd8 ws5c\">10.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f2 y3fef w2d2 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f3 y3fef w2d3 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f4 y3fef w2d2 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f5 y3fef w553 hc2\"><div class=\"t m1 x247 hf y3edf ff2 fs0 fc4 sc0 lsd8 ws5c\">1<span class=\"_ _3\"></span>0.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ff0 w554 hd5\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Acquisi<span class=\"_ _3\"></span>tions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f6 y3ff1 w555 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f2 y3ff1 w2d2 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f3 y3ff1 w2d3 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f4 y3ff1 w2d2 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f7 y3ff1 w555 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lsd0 wsce\">1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ff2 w556 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Repaym<span class=\"_ _3\"></span>ents and wr<span class=\"_ _3\"></span>ite-offs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f8 y3ff3 w557 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls29 wsca\">(0.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7f9 y3ff3 w558 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7fa y3ff3 w559 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7fb y3ff3 w55a hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls33 ws31\">(0.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7fc y3ff3 w55b hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _1\"></span>45<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3ff4 ff2 fs6 fc4 sc0 ls0 ws0\">Re-mea<span class=\"_ _3\"></span>surement of los<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3ff5 ff2 fs6 fc4 sc0 ls0 ws0\">allowanc<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></td><td class=\"c n x7fd y3ff7 w55c hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _1\"> </span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7fe y3ff7 w55d hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ff y3ff7 w55e hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x800 y3ff7 w55f hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x801 y3ff7 w560 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lsd8 ws5c\">5<span class=\"_ _3\"></span>0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y3ff8 ff2 fs6 fc4 sc0 lsed wse8\">Tr<span class=\"_ _3\"></span>a<span class=\"_ _1\"></span>n<span class=\"_ _3\"></span>s<span class=\"_ _1\"></span>f<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>r<span class=\"_ _1\"></span>s<span class=\"_ _3\"></span>:<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y3ff9 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 1<span class=\"_ _35a\"> </span></td><td class=\"c n x802 y3ffa w561 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lsd0 wsce\">13.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x803 y3ffa w562 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x804 y3ffa w563 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls29 wsca\">(0<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x805 y3ffa w564 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x806 y3ffa w564 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ffb w565 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x807 y3ffc w566 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls33 ws31\">(0.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x808 y3ffc w567 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x809 y3ffc w568 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x80a y3ffc w564 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x5bc y3ffc w564 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3ffd w569 hc7\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x80b y3ffe w56a hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls33 ws31\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x80c y3ffe w56b hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls29 wsca\">(6.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x80d y3ffe w56c hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 lscd wscc\">6<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x80e y3ffe w2d2 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x80f y3ffe w2d3 hc2\"><div class=\"t m1 x247 hf y3def ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4000 w56d hfc\"><div class=\"t m1 x247 hf y3fff ff2 fs6 fc4 sc0 ls0 ws0\">Change<span class=\"_ _3\"></span>s in assumption<span class=\"_ _3\"></span>s and<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">mod<span class=\"_ _3\"></span>el parameter<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x810 y4001 w56e hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lscc wscb\">2.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x811 y4001 w56f hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lsce ws70\">(5.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x812 y4001 w570 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x813 y4001 w55a hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 ls33 ws31\">(0.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x814 y4001 w571 hc2\"><div class=\"t m1 x247 h24 y3ff6 ff2 fs0 fc4 sc0 lsd0 wsce\">(1.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4002 w2ca hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x815 y4003 w572 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x816 y4003 w573 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls28 ws43\">54.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x817 y4003 w574 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lsce ws70\">66.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x818 y4003 w575 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6d4 y4003 w1a2 hc2\"><div class=\"t m1 x247 hf y3ee3 ff2 fs0 fc4 sc0 lsd3 ws2\">145.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4004 w552 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls69 ws1e\">Originations<span class=\"_ _35a\"> </span></div></td><td class=\"c n x819 y4005 w576 hc4\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">6.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x81a y4005 w2b4 hc4\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x81b y4005 w577 hc4\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x81c y4005 w2b4 hc4\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x81d y4005 w578 hc4\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">6.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4006 w554 hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls0 ws0\">Acquisi<span class=\"_ _3\"></span>tions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x81e y4007 w104 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsf7 wsf5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x81f y4007 w2b4 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x820 y4007 w2b4 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x821 y4007 w2b4 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x822 y4007 w579 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsf7 wsf5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4008 w57a hc1\"><div class=\"t m1 x247 hf y3ded ff2 fs6 fc4 sc0 ls121 wsb9\">Disposals</div><div class=\"t m1 x823 h20 y3e76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x802 y400a w57b hc5\"><div class=\"t m1 x247 h2 y4009 ff1 fs0 fc4 sc0 ls5a wsc2\">(0.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x824 y400a w57c hc5\"><div class=\"t m1 x247 h2 y4009 ff1 fs0 fc4 sc0 ls5a wsc2\">(0.3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x825 y400a w2b4 hc5\"><div class=\"t m1 x247 h2 y4009 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x826 y400a w2b4 hc5\"><div class=\"t m1 x247 h2 y4009 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x827 y400a w57d hc5\"><div class=\"t m1 x247 h2 y4009 ff1 fs0 fc4 sc0 ls84 ws84\">(0<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y400b w556 hc1\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">Repaym<span class=\"_ _3\"></span>ents and wr<span class=\"_ _3\"></span>ite-offs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x828 y400c w57e hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls2a wsc\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x829 y400c w18f hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsf2 wsee\">(<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>0)</div></td><td class=\"c n x82a y400c w57f hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls2a wsc\">(<span class=\"_ _3\"></span>15<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x82b y400c w580 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls5a wsc2\">(0.3<span class=\"_ _3\"></span>)</div></td><td class=\"c n x82c y400c w581 hc2\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsf7 wsf5\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y400d ff2 fs6 fc4 sc0 ls0 ws0\">Re-mea<span class=\"_ _3\"></span>surement of los<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x41d hf y400e ff2 fs6 fc4 sc0 ls0 ws0\">allowanc<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></td><td class=\"c n x82d y4010 w582 hc5\"><div class=\"t m1 x247 h2 y400f ff1 fs0 fc4 sc0 ls3b ws39\">(24<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x82e y4010 w583 hc5\"><div class=\"t m1 x247 h2 y400f ff1 fs0 fc4 sc0 lsd3 ws2\">13<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x82f y4010 w584 hc5\"><div class=\"t m1 x247 h2 y400f ff1 fs0 fc4 sc0 lsce ws70\">18.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x830 y4010 w57c hc5\"><div class=\"t m1 x247 h2 y400f ff1 fs0 fc4 sc0 ls5a wsc2\">(0.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x831 y4010 w585 hc5\"><div class=\"t m1 x247 h2 y400f ff1 fs0 fc4 sc0 ls0 ws0\">6.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x41d hf y4011 ff2 fs6 fc4 sc0 lsed wse8\">Tr<span class=\"_ _3\"></span>a<span class=\"_ _1\"></span>n<span class=\"_ _3\"></span>s<span class=\"_ _1\"></span>f<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>r<span class=\"_ _1\"></span>s<span class=\"_ _3\"></span>:<span class=\"_ _28f\"> </span><span class=\"ff1 fs0 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4012 w586 hc6\"><div class=\"t m1 x247 hf y3df7 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x832 y4013 w587 hc8\"><div class=\"t m1 x247 hf y3e00 ff1 fs0 fc4 sc0 ls6f ws6b\">15.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x833 y4013 w588 hc8\"><div class=\"t m1 x247 hf y3e00 ff1 fs0 fc4 sc0 ls2a wsc\">(<span class=\"_ _3\"></span>13<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x834 y4013 w589 hc8\"><div class=\"t m1 x247 hf y3e00 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>1.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x835 y4013 w2b4 hc8\"><div class=\"t m1 x247 hf y3e00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x836 y4013 w577 hc8\"><div class=\"t m1 x247 hf y3e00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4014 w565 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x837 y4015 w58a hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x838 y4015 w58b hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x839 y4015 w19d hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls5a wsc2\">(1.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x83a y4015 w58c hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x83b y4015 w2b5 hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4016 w569 hc7\"><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x83c y4017 w58d hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls5a wsc2\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x83d y4017 w58e hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsc3 wsc1\">(<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x83e y4017 w58f hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x821 y4017 w2b4 hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x83f y4017 w2b5 hc5\"><div class=\"t m1 x247 hf y3def ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4019 w56d hfd\"><div class=\"t m1 x247 hf y4018 ff2 fs6 fc4 sc0 ls0 ws0\">Change<span class=\"_ _3\"></span>s in assumption<span class=\"_ _3\"></span>s and<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3ec1 ff2 fs6 fc4 sc0 ls0 ws0\">mod<span class=\"_ _3\"></span>el parameter<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x802 y401b w590 hc4\"><div class=\"t m1 x247 h2 y401a ff1 fs0 fc4 sc0 ls2a wsc\">(0<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x840 y401b w591 hc4\"><div class=\"t m1 x247 h2 y401a ff1 fs0 fc4 sc0 lsd wsd0\">(4.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x841 y401b w592 hc4\"><div class=\"t m1 x247 h2 y401a ff1 fs0 fc4 sc0 lsc5 wsc3\">(3.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x842 y401b w593 hc4\"><div class=\"t m1 x247 h2 y401a ff1 fs0 fc4 sc0 lsff wsff\">0.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x843 y401b w594 hc4\"><div class=\"t m1 x247 h2 y401a ff1 fs0 fc4 sc0 lsf2 wsee\">(8<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d15 w3b5 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x844 y3d15 w595 hc5\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls6f ws6b\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x845 y3d15 w596 hc5\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x846 y3d15 w597 hc5\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls6f ws6b\">71.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x847 y3d15 w598 hc5\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls0 ws0\">2.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x848 y3d15 w599 hc5\"><div class=\"t m1 x247 ha y3ddc ff1 fs0 fc4 sc0 ls0 ws0\">126.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs491\">1. <span class=\"_ _14\"> </span>D<span class=\"_ _3\"></span>isp<span class=\"_ _3\"></span>osal<span class=\"_ _3\"></span>s incl<span class=\"_ _3\"></span>ude EC<span class=\"_ _3\"></span>L on the l<span class=\"_ _3\"></span>oan<span class=\"_ _3\"></span>s and ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers d<span class=\"_ _3\"></span>ere<span class=\"_ _3\"></span>cog<span class=\"_ _3\"></span>nise<span class=\"_ _3\"></span>d as pa<span class=\"_ _3\"></span>rt of t<span class=\"_ _3\"></span>he PM<span class=\"_ _3\"></span>F 2024-2 s<span class=\"_ _3\"></span>ecur<span class=\"_ _3\"></span>itis<span class=\"_ _3\"></span>ation<span class=\"_ _3\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs493\">The table belo<span class=\"_ _0\"></span>w shows the s<span class=\"_ _0\"></span>tage 2 ECL balances by tr<span class=\"_ _0\"></span>ansfer criteria:<span class=\"_ _35a\"> </span></div><div class=\"gs494\"><table class=\"s w529 hf9\" id=\"_99a3e15a-2139-4377-852a-e57d22372997\"><tr><td></td><td></td><td class=\"c n x698 y3fd7 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x699 y3fd7 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x7bd h21 y3fd8 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td></td><td></td><td class=\"t m1 x7be h21 y3fd8 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x7bf h21 y3fd9 ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y3fd9 ff1 fs5 fc5 sc0 ls0 ws0\">ECL<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c1 h21 y3fd9 ff1 fs5 fc5 sc0 ls0 ws0\">Cover<span class=\"_ _0\"></span>age </td><td class=\"t m1 x7c2 h21 y3fd9 ff1 fs5 fc5 sc0 ls0 ws0\">value<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c3 h21 y3fd9 ff1 fs5 fc5 sc0 ls0 ws0\">ECL<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c4 h21 y3fd9 ff1 fs5 fc5 sc0 ls0 ws0\">Cover<span class=\"_ _0\"></span>age </td></tr><tr><td></td><td class=\"t m1 x69e h21 y3fda ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y3fda ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c5 h21 y3fda ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y3fda ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y3fda ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c6 h21 y3fda ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y3fdb ff1 fs6 fc4 sc0 ls119 ws1a\">Crite<span class=\"_ _3\"></span>ria:<span class=\"_ _16a\"> </span><span class=\"fs0 ls0 ws0\"> <span class=\"_ _fc\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span><span class=\"ff2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y3fdc ff2 fs6 fc4 sc0 ls0 ws0\">Relati<span class=\"_ _3\"></span>ve/<span class=\"_ _0\"></span>absolute  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y3fdd ff2 fs6 fc4 sc0 lsc4 ws26\">PD movemen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></td><td class=\"c n x7c7 y3fde w52a hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsb ws8\">3,<span class=\"_ _0\"></span>998.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7c8 y3fde w52b hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">3<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7c9 y3fde w52c hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>89</div></td><td class=\"c n x7ca y3fde w52d hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls28 ws43\">4,<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7cb y3fde w52e hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lse wsf4\">53.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7cc y3fde w52f hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd0 wsce\">1.<span class=\"_ _3\"></span>22<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fdf w530 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls12 ws27\">Qualita<span class=\"_ _3\"></span>tive me<span class=\"_ _3\"></span>asures</div></td><td class=\"c n x7cd y3fe0 w531 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">283<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7ce y3fe0 w10a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7cf y3fe0 w532 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d0 y3fe0 w533 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d1 y3fe0 w534 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d2 y3fe0 w535 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">0.57<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y3fe1 ff2 fs6 fc4 sc0 ls0 ws0\">30 day<span class=\"_ _3\"></span>s past </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y3fe2 ff2 fs6 fc4 sc0 ls0 ws0\">due<span class=\"_ gs2a\"> </span>ba<span class=\"_ _3\"></span>ckstop<span class=\"_ _35a\"> </span></td><td class=\"c n x7d3 y3fe3 w536 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsff wsff\">70.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d4 y3fe3 w537 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d5 y3fe3 w538 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsff wsff\">0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d6 y3fe3 w539 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscc wscb\">5<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d7 y3fe3 w53a hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d8 y3fe3 w53b hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.54<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7d9 y3d5a w53d hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls84 ws84\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7da y3d5a w53e hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7db y3d5a w53f hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls84 ws84\">0<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>0</div></td><td class=\"c n x7dc y3d5a w540 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _1\"> </span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7dd y3d5a w541 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls28 ws43\">5<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7de y3d5a w542 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd0 wsce\">1.<span class=\"_ _3\"></span>20<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws9b gs495\">The Group has a number of qualit<span class=\"_ _0\"></span>ative measures to det<span class=\"_ _0\"></span>ermine whether a SICR has tak<span class=\"_ _0\"></span>en place. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs496\">These triggers utilise both in<span class=\"_ _0\"></span>ternal performance information, to analyse whether an account is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs497\">in distr<span class=\"_ _0\"></span>ess but not yet in arrears<span class=\"_ _0\"></span>, and external cr<span class=\"_ _0\"></span>edit bureau information, to<span class=\"_ gs2a\"> </span>de<span class=\"_ _0\"></span>termine whether </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs498\">the cust<span class=\"_ _0\"></span>omer is experiencing financial difficulty with an external credit<span class=\"_ gs2a\"> </span>obligation.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs499\">21. <span class=\"_ _1\"></span>Impairment of financial assets<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs49a\">The (cre<span class=\"_ _0\"></span>dit)/<span class=\"_ _2\"></span>charge for impairment of financial asse<span class=\"_ _0\"></span>ts in the Consolidated Statemen<span class=\"_ _0\"></span>t of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs49b\">Comprehensive Income comprises:<span class=\"_ _35a\"> </span></div><div class=\"gs49c\"><table class=\"s w543 hfa\" id=\"_ffd73079-4034-40b5-8e5b-09f629de4c51\"><tr><td></td><td class=\"t m1 x2c8 h21 y3fe4 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3fe4 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y3fe5 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3fe5 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fd5 w544 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Write-offs in year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7df y3fe6 w545 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e0 y3fd5 w546 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">3<span class=\"_ _3\"></span>3.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w547 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">(D<span class=\"_ _3\"></span>ecrea<span class=\"_ _3\"></span>se<span class=\"_ _0\"></span>)/increa<span class=\"_ _3\"></span>se in ECL provi<span class=\"_ _3\"></span>sion<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e1 y3fe8 w548 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsdf wsd9\">(22<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e2 y3fe7 w549 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e3 y3f5f w54a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls12 ws10\">(11.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e4 y3d5a w54b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls61 ws5d\">48.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs49d\">The (cre<span class=\"_ _0\"></span>dit)/<span class=\"_ _2\"></span>charge for pro<span class=\"_ _0\"></span>visions of \u00a3(11.7)m (2023: \u00a348.<span class=\"_ _0\"></span>8m) shown in the Consolidated </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs49e\">Statemen<span class=\"_ _0\"></span>t of Comprehensive Income also includes a less than \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1m credit (<span class=\"_ _0\"></span>2023: \u00a34<span class=\"_ _0\"></span>.6m) </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs49f\">in<span class=\"_ gs2a\"> </span>respect of insur<span class=\"_ _0\"></span>ance recov<span class=\"_ _0\"></span>eries.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-511": {
   "value": "18. <span class=\"_ _1\"></span>Loans and advances<span class=\"_ _35a\"> </span><table class=\"s w41d hef\" id=\"_ef07c48f-fb53-43d4-9b19-ce398afe6473\"><tr><td></td><td></td><td class=\"c n x698 y3f52 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x699 y3f52 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y3f53 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69b h21 y3f53 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x401 h21 y3f53 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69c h21 y3f53 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69d h21 y3f53 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3f53 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x69e h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3f54 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c x248 y3f56 w420 hf0\"><div class=\"t m1 x247 ha y3f55 ff1 fs6 fc4 sc0 ls0 ws0\">Gro<span class=\"_ _3\"></span>ss carrying<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">amount<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y3f57 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></td><td class=\"c n x6a3 y3f58 w421 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd3 ws2\">12,02<span class=\"_ _3\"></span>9<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a4 y3f58 w422 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a5 y3f58 wb9 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a6 y3f58 w423 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsd0 wsce\">11,0<span class=\"_ _3\"></span>48.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a7 y3f58 w424 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a8 y3f58 w425 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsd8 ws5c\">20,3<span class=\"_ _3\"></span>62.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f59 w426 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6a9 y3f5a w427 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">2<span class=\"_ _3\"></span>,411<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6aa y3f5a w428 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ab y3f5a w429 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ac y3f5a w42a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,7<span class=\"_ _3\"></span>12.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ad y3f5a w42b hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,819<span class=\"_ _2\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ae y3f5a w42c hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5b w42d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6af y3f5c w42e hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">653.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b0 y3f5c w42f hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b1 y3f5c w430 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b2 y3f5c w431 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>1.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b3 y3f5c w432 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"> </span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b4 y3f5c w433 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">7<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5d w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b5 y3f5e w435 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b6 y3f5e w436 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">32<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b7 y3f5e w437 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b8 y3f5e w438 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b9 y3f5e w439 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ba y3f5e w43a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6bb y3f5f w43b hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _0\"></span>5,1<span class=\"_ _0\"></span>22.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6bc y3f5f w43c hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,801.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6bd y3f5f w43d hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>23<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6be y3f5f w43e hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">14,286.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6bf y3f5f w43f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _18\"> </span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c0 y3f5f w440 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>67<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr></table>The mortgage loan balances pledged as collater<span class=\"_ _0\"></span>al for liabilities are:<span class=\"_ _35a\"> </span><table class=\"s w441 hf1\" id=\"_fea7dd86-c009-41b2-8cde-1b553e36e293\"><tr><td></td><td class=\"t m1 x2c8 h21 y3f60 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y3f60 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y3f61 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y3f61 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3f62 w442 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">BoE under TF<span class=\"_ _0\"></span>SME and IL<span class=\"_ _2\"></span>TR<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c1 y3f63 w443 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">3,745<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c2 y3f62 w444 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">6<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>2.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5d w445 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Securitisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c3 y3f5e w446 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">9<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c4 y3f5d w447 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1a ws16\">8<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x6c5 y3f5f w448 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>41<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6c6 y3d5a w449 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">6<span class=\"_ _1\"></span>,93<span class=\"_ _1\"></span>4.1<span class=\"_ _35a\"> </span></div></td></tr></table>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s securitisation progr<span class=\"_ _0\"></span>ammes and use of TFSME and IL<span class=\"_ _2\"></span>TR result in certain assets being encumbered as collater<span class=\"_ _0\"></span>al against such funding. As at 31 December 2024<span class=\"_ _0\"></span>, the percen<span class=\"_ _0\"></span>tage of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s gross loans and adv<span class=\"_ _0\"></span>ances to customer<span class=\"_ _0\"></span>s that are encumbered w<span class=\"_ _0\"></span>as 19% (2023: 27%). The table belo<span class=\"_ _0\"></span>w shows the mov<span class=\"_ _0\"></span>ement in loans and advances to cus<span class=\"_ _0\"></span>tomers by IFR<span class=\"_ _0\"></span>S 9 stage during the year:<span class=\"_ _35a\"> </span><table class=\"s w480 hf5\" id=\"_9b5adb62-7cf7-4216-9284-2f067a9037cb\"><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x6ee h21 y3f86 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3 </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6ef h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 1<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f0 h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 2<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f2 h21 y3f87 ff1 fs5 fc5 sc0 ls0 ws0\">(POCI)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y3f87 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x6f3 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f4 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f5 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f6 h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y3f88 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td class=\"c n x248 y3d6e wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6f7 y3d6f w481 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsb ws8\">18,563.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6f8 y3d6f w482 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">4<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6f9 y3d6f w483 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">5<span class=\"_ _3\"></span>01.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fa y3d6f w484 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8<span class=\"_ _3\"></span>3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fb y3d6f w485 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>,5<span class=\"_ _1\"></span>64<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d70 w486 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Originations</div><div class=\"t m1 x6fc h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fd y3f89 w487 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsff wsff\">4,<span class=\"_ _3\"></span>561<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6fe y3f89 w488 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6ff y3f89 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x700 y3f89 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x701 y3f89 w487 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsff wsff\">4,5<span class=\"_ _3\"></span>61<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d72 we1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Acquisi<span class=\"_ _3\"></span>tions</div><div class=\"t m1 x344 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x702 y3f8a w48a hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf8 wsf6\">17<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x703 y3f8a w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x704 y3f8a w488 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x705 y3f8a w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x706 y3f8a w48a hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf8 wsf6\">17<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d74 w48b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Repaym<span class=\"_ _3\"></span>ents and wr<span class=\"_ _3\"></span>ite-offs</div><div class=\"t m1 x707 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x708 y3f8b w48c hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">(2,041.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x709 y3f8b w48d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _18\"> </span>4<span class=\"_ _1\"></span>47.<span class=\"_ _18\"> </span>2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70a y3f8b w48e hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70b y3f8b w48f hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>12<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70c y3f8b w490 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">(2,628<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"t m1 x24c hf y3f8c ff2 fs6 fc4 sc0 lsed wse8\">Tr<span class=\"_ _3\"></span>a<span class=\"_ _1\"></span>n<span class=\"_ _3\"></span>s<span class=\"_ _1\"></span>f<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>r<span class=\"_ _1\"></span>s<span class=\"_ _3\"></span>:<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y3f8d ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 1<span class=\"_ _35a\"> </span></td><td class=\"c n x70d y3d7c w491 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls28 ws43\">1,5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70e y3d7c w492 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x70f y3d7c w493 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls28 ws43\">(<span class=\"_ _3\"></span>14.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x710 y3d7c w488 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x711 y3d7c w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c n x248 y3d7d w494 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x712 y3d7e w495 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(2,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>9<span class=\"_ _0\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x713 y3d7e w496 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x714 y3d7e w497 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsb ws8\">(48.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x715 y3d7e w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x716 y3d7e w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c n x248 y3f8e w498 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x717 y3f8f w499 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(133<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x718 y3f8f w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(264.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x719 y3f8f w49a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71a y3f8f w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71b y3f8f w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c n x248 y3d81 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71c y3d82 w49b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2<span class=\"_ _3\"></span>0,362.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71d y3d82 w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71e y3d82 w433 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">7<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x71f y3d82 w49c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x720 y3d82 w49d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3f90 w486 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Originations</div><div class=\"t m1 x6fc h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x708 y3f92 w49e hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">3,7<span class=\"_ _3\"></span>71.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x721 y3f92 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x722 y3f92 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x723 y3f92 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x724 y3f92 w49e hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">3,7<span class=\"_ _3\"></span>71.6<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d85 we1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Acquisi<span class=\"_ _3\"></span>tions</div><div class=\"t m1 x344 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x725 y3f93 w49f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x726 y3f93 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x727 y3f93 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x728 y3f93 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x729 y3f93 w4a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3f94 w4a1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Disposals</div><div class=\"t m1 x72a h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x708 y3f95 w4a2 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd2 wsd1\">(1,<span class=\"_ _0\"></span>126.<span class=\"_ _0\"></span>1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72b y3f95 w4a3 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd8 ws5c\">(124.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72c y3f95 w106 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls5a wsc2\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72d y3f95 wf4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72e y3f95 w4a4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(1<span class=\"_ _3\"></span>,2<span class=\"_ _3\"></span>50.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td class=\"c x248 y3d89 w48b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Repaym<span class=\"_ _3\"></span>ents and wr<span class=\"_ _3\"></span>ite-offs</div><div class=\"t m1 x707 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x72f y3f96 w4a5 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls6f ws6b\">(2,669.7)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x730 y3f96 w4a6 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd wsd0\">(469<span class=\"_ _2\"></span>.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x731 y3f96 w138 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x732 y3f96 w4a7 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(1<span class=\"_ _3\"></span>0.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x733 y3f96 w4a8 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x734 y3f96 w4a9 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y3f97 ff2 fs6 fc4 sc0 lsed wse8\">Tr<span class=\"_ _3\"></span>a<span class=\"_ _1\"></span>n<span class=\"_ _3\"></span>s<span class=\"_ _1\"></span>f<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>r<span class=\"_ _1\"></span>s<span class=\"_ _3\"></span>:<span class=\"_ _28f\"> </span><span class=\"ff1 fs0 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d8d w4aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x735 y3f98 w4ab hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>44<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x736 y3f98 w4ac hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">(1,210.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x737 y3f98 w4ad hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x738 y3f98 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x739 y3f98 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d90 w494 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73a y3f99 w4ae hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls2a wsc\">(1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>87<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73b y3f99 w4af hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73c y3f99 w4b0 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">(<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73d y3f99 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x73e y3f99 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d92 w498 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 T<span class=\"_ _0\"></span>o Stage 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x73f y3d93 w4b1 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>14<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x740 y3d93 w4b2 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">(313.9<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x741 y3d93 w4b3 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x742 y3d93 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x743 y3d93 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x744 y3d5a wb9 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x745 y3d5a w4b4 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x746 y3d5a w430 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x747 y3d5a w4b5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">60.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x748 y3d5a w4b6 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>23<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>Origina<span class=\"_ _3\"></span>tions include fur<span class=\"_ _3\"></span>ther advance<span class=\"_ _3\"></span>s and drawdowns on existing commitments. 2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>Th<span class=\"_ _3\"></span>e Grou<span class=\"_ _3\"></span>p repu<span class=\"_ _3\"></span>rchas<span class=\"_ _3\"></span>ed \u00a3<span class=\"_ _3\"></span>5.<span class=\"_ _0\"></span>9m (202<span class=\"_ _3\"></span>3: \u00a3175<span class=\"_ _3\"></span>.8m) of own<span class=\"_ _3\"></span>-ori<span class=\"_ _3\"></span>ginate<span class=\"_ _3\"></span>d UK r<span class=\"_ _3\"></span>esid<span class=\"_ _3\"></span>enti<span class=\"_ _3\"></span>al and Bu<span class=\"_ _3\"></span>y-to-Let m<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tgag<span class=\"_ _3\"></span>es fro<span class=\"_ _3\"></span>m de<span class=\"_ _3\"></span>cons<span class=\"_ _3\"></span>olid<span class=\"_ _3\"></span>ate<span class=\"_ _3\"></span>d SPVs at p<span class=\"_ _3\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>3. <span class=\"_ _12\"> </span>Rep<span class=\"_ _3\"></span>ayme<span class=\"_ _3\"></span>nts an<span class=\"_ _3\"></span>d write<span class=\"_ _3\"></span>-off<span class=\"_ _3\"></span>s inclu<span class=\"_ _3\"></span>de cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>er re<span class=\"_ _3\"></span>dempt<span class=\"_ _3\"></span>ions a<span class=\"_ _3\"></span>nd \u00a3<span class=\"_ _3\"></span>10.7m (<span class=\"_ _0\"></span>20<span class=\"_ _3\"></span>23: \u00a33<span class=\"_ _3\"></span>3.6<span class=\"_ _3\"></span>m<span class=\"_ _0\"></span>) of w<span class=\"_ _3\"></span>rite<span class=\"_ _3\"></span>-offs du<span class=\"_ _3\"></span>ring th<span class=\"_ _3\"></span>e ye<span class=\"_ _3\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>4. <span class=\"_ _e\"> </span>D<span class=\"_ _3\"></span>isp<span class=\"_ _3\"></span>osa<span class=\"_ _3\"></span>ls inc<span class=\"_ _3\"></span>lude l<span class=\"_ _3\"></span>oans a<span class=\"_ _3\"></span>nd ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers d<span class=\"_ _3\"></span>erec<span class=\"_ _3\"></span>ogn<span class=\"_ _3\"></span>ise<span class=\"_ _3\"></span>d as par<span class=\"_ _3\"></span>t of th<span class=\"_ _3\"></span>e PMF 2<span class=\"_ _3\"></span>024-2 se<span class=\"_ _3\"></span>curi<span class=\"_ _3\"></span>tisa<span class=\"_ _3\"></span>tion.<span class=\"_ _3\"></span> The contr<span class=\"_ _0\"></span>actual amount outst<span class=\"_ _0\"></span>anding on loans and advances that wer<span class=\"_ _0\"></span>e written off during the reporting period and wer<span class=\"_ _0\"></span>e still subject to collections and reco<span class=\"_ _0\"></span>very activity w<span class=\"_ _0\"></span>as \u00a31.<span class=\"_ _0\"></span>9m at 31 December 2024 (202<span class=\"_ _0\"></span>3: \u00a30.<span class=\"_ _0\"></span>3m).<span class=\"_ _35a\"> </span>As at 31 December 2024<span class=\"_ _0\"></span>, loans and advances of \u00a3280<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8m (2023: \u00a3126<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) w<span class=\"_ _0\"></span>ere in a probation period befor<span class=\"_ _0\"></span>e they can move out o<span class=\"_ _0\"></span>f Stage 3, see not<span class=\"_ _0\"></span>e 1 m (vii). for further details. Where a borro<span class=\"_ _0\"></span>wer has multiple f<span class=\"_ _0\"></span>acilities, all facilities are consider<span class=\"_ _0\"></span>ed in default when a minimum threshold of the borr<span class=\"_ _0\"></span>ow<span class=\"_ _0\"></span>er\u2019<span class=\"_ _0\"></span>s exposure has been classifie<span class=\"_ _0\"></span>d as defaulted. As at 31 December 2024<span class=\"_ _0\"></span>, loans and advances of \u00a37<span class=\"_ _0\"></span>2.<span class=\"_ _0\"></span>0m (2023: \u00a355<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m) w<span class=\"_ _0\"></span>ere in this category of de<span class=\"_ _0\"></span>fault.<span class=\"_ _35a\"> </span>22. Derivatives<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w reconciles the gross amount of deriv<span class=\"_ _0\"></span>ative contr<span class=\"_ _0\"></span>acts to the carrying balance shown in the Consolidate<span class=\"_ _0\"></span>d Statement of Financial Position:<span class=\"_ _35a\"> </span><table class=\"s w59a hfe\" id=\"_f149006f-1966-4181-bce1-fd729c82f205\"><tr><td></td><td></td><td class=\"t m1 x849 h21 y401c ff1 fs5 fc5 sc0 ls0 ws0\">Net amount of </td><td class=\"t m1 x84a h21 y401c ff1 fs5 fc5 sc0 ls0 ws0\">Contracts </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x84b h21 y401d ff1 fs5 fc5 sc0 ls0 ws0\">financial assets </td><td class=\"t m1 x84c h21 y401d ff1 fs5 fc5 sc0 ls0 ws0\">subject to </td><td class=\"t m1 x84d h21 y401d ff1 fs5 fc5 sc0 ls0 ws0\">Cash collateral </td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x84e h21 y401e ff1 fs5 fc5 sc0 ls0 ws0\">/(liabilities) </td><td class=\"t m1 x6f4 h21 y401e ff1 fs5 fc5 sc0 ls0 ws0\">master netting </td><td class=\"t m1 x6ee h21 y401e ff1 fs5 fc5 sc0 ls0 ws0\">paid/ </td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x84f h21 y401f ff1 fs5 fc5 sc0 ls0 ws0\">presented </td><td class=\"t m1 x850 h21 y401f ff1 fs5 fc5 sc0 ls0 ws0\">agreements not </td><td class=\"t m1 x851 h21 y401f ff1 fs5 fc5 sc0 ls0 ws0\">(received) not </td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x852 h21 y4020 ff1 fs5 fc5 sc0 ls0 ws0\">in the </td><td class=\"t m1 x853 h21 y4020 ff1 fs5 fc5 sc0 ls0 ws0\">offset in the </td><td class=\"t m1 x854 h21 y4020 ff1 fs5 fc5 sc0 ls0 ws0\">offset in the </td><td></td></tr><tr><td></td><td class=\"t m1 x855 h21 y4021 ff1 fs5 fc5 sc0 ls48 ws0\">Gross amount </td><td class=\"t m1 x856 h21 y4021 ff1 fs5 fc5 sc0 ls0 ws0\">Consolidated </td><td class=\"t m1 x857 h21 y4021 ff1 fs5 fc5 sc0 ls0 ws0\">Consolidated </td><td class=\"t m1 x858 h21 y4021 ff1 fs5 fc5 sc0 ls0 ws0\">Consolidated </td><td></td></tr><tr><td></td><td class=\"t m1 x859 h21 y4022 ff1 fs5 fc5 sc0 ls48 ws0\">of recognise<span class=\"_ _3\"></span>d </td><td class=\"t m1 x84f h21 y4022 ff1 fs5 fc5 sc0 ls0 ws0\">statement </td><td class=\"t m1 x84a h21 y4022 ff1 fs5 fc5 sc0 ls0 ws0\">statement </td><td class=\"t m1 x2e9 h21 y4022 ff1 fs5 fc5 sc0 ls0 ws0\">statement </td><td></td></tr><tr><td></td><td class=\"t m1 x85a h21 y4023 ff1 fs5 fc5 sc0 ls48 ws0\">financial assets </td><td class=\"t m1 x84e h21 y4023 ff1 fs5 fc5 sc0 ls0 ws0\">of financial </td><td class=\"t m1 x85b h21 y4023 ff1 fs5 fc5 sc0 ls0 ws0\">of financial </td><td class=\"t m1 x85c h21 y4023 ff1 fs5 fc5 sc0 ls0 ws0\">of financial </td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y4024 ff1 fs5 fc5 sc0 ls48 ws48\">/(liabilities)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x85e h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">position<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e8 h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">position<span class=\"_ _35a\"> </span></td><td class=\"t m1 x85f h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">position<span class=\"_ _35a\"> </span></td><td class=\"t m1 x860 h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">Net amount<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x861 h21 y4025 ff1 fs5 fc5 sc0 ls48 ws48\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c hf y4026 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets:<span class=\"_ _153\"> </span><span class=\"ff1 fs0\"> <span class=\"_ _221\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4027 ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4028 w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x866 y4029 w59c hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">312.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x867 y4029 w59d hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">312<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x868 y4029 w59e hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">(7<span class=\"_ _3\"></span>5.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x869 y4029 w59f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(16<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86a y4029 w10f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">73.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y402a ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y402b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></td><td class=\"c n x86b y402c w5a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86c y402c w5a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86d y402c w5a1 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86e y402c wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86f y402c wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x870 y402d w5a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x871 y402d w5a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x872 y402d w5a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls155 ws164\">(<span class=\"_ _3\"></span>76<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x873 y402d w5a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">(16<span class=\"_ _3\"></span>3.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x874 y402d w10f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">73.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y402e ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es:<span class=\"_ _280\"> </span><span class=\"ff1 fs0\"> <span class=\"_ _221\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y402f ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4030 w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y4031 w5a6 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>7<span class=\"_ _1\"> </span>7.<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x876 y4031 w5a7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _18\"> </span>7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x877 y4031 w3d hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">7<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x878 y4031 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x879 y4031 w5a8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls48 ws48\">(1.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4032 ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4033 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></td><td class=\"c n x87a y4034 w5a9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87b y4034 w5a9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>4.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87c y4034 w5a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87d y4034 w5aa hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87e y4034 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x87f y4035 w5ab hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">(81.<span class=\"_ _0\"></span>9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x880 y4035 w5ab hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">(81.<span class=\"_ _0\"></span>9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x881 y4035 w5ac hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls155 ws164\">76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x882 y4035 w5ad hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x883 y4035 w5a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">(1<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y4036 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _71\"> </span><span class=\"ff2 fs0 fc4\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4037 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets:<span class=\"_ _153\"> </span><span class=\"fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4038 ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4039 w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x884 y403b w5ae hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x885 y403b w5ae hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x886 y403b w5af hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd3 ws2\">(45.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x887 y403b w5b0 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">(212.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x888 y403b w5b1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>72<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y403c ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es:<span class=\"_ _280\"> </span><span class=\"fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y403d ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y3d5a w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y403e w5b2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x889 y403e w5b3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x88a y403e w5b4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd3 ws2\">45.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x88b y403e w5b5 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">21<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x88c y403e w5b6 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscd wscc\">6<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> P<span class=\"_ _3\"></span>rodu<span class=\"_ _3\"></span>ct rel<span class=\"_ _3\"></span>ates to t<span class=\"_ _3\"></span>he he<span class=\"_ _3\"></span>dgin<span class=\"_ _3\"></span>g of loa<span class=\"_ _3\"></span>n ass<span class=\"_ _3\"></span>ets, re<span class=\"_ _3\"></span>tail de<span class=\"_ _3\"></span>po<span class=\"_ _3\"></span>sits a<span class=\"_ _3\"></span>nd deb<span class=\"_ _3\"></span>t issu<span class=\"_ _3\"></span>ed, in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ing pip<span class=\"_ _3\"></span>eli<span class=\"_ _3\"></span>ne he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>s.<span class=\"_ _35a\"> </span>Derivative asset<span class=\"_ _0\"></span>s and liabilities include an initial margin of \u00a3131.7<span class=\"_ _2\"></span>m (2023: \u00a3198.<span class=\"_ _2\"></span>4m) with sw<span class=\"_ _0\"></span>ap counterparties. Mar<span class=\"_ _0\"></span>gin is posted daily in r<span class=\"_ _0\"></span>espect of derivatives tr<span class=\"_ _0\"></span>ansacted with sw<span class=\"_ _0\"></span>ap<span class=\"_ gs2a\"> </span>counterparties.<span class=\"_ _35a\"> </span>Included within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>e assets is \u00a37<span class=\"_ _0\"></span>2.6m (2023: \u00a3112.<span class=\"_ _0\"></span>0m) and derivative liabilities \u00a31.2m (2023: nil) r<span class=\"_ _0\"></span>elating to derivative con<span class=\"_ _0\"></span>tracts not co<span class=\"_ _0\"></span>vered by mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s on which no cash collater<span class=\"_ _0\"></span>al has been paid.<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w profiles the maturity of nominal amount<span class=\"_ _0\"></span>s for interes<span class=\"_ _0\"></span>t rate risk he<span class=\"_ _0\"></span>dging derivatives base<span class=\"_ _0\"></span>d on contractual maturity: <table class=\"s w5b7 hff\" id=\"_eb1d03de-2900-4800-a8cf-cc87b1fd3ed3\"><tr><td></td><td></td><td class=\"t m1 x88d h21 y403f ff1 fs5 fc5 sc0 ls0 ws0\">Less than </td><td></td><td></td><td class=\"t m1 x7c4 h21 y403f ff1 fs5 fc5 sc0 ls0 ws0\">More than </td></tr><tr><td></td><td class=\"t m1 x7bf h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal nominal </td><td class=\"t m1 x79b h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\">3<span class=\"_ gs4b0\"> </span>months</td><td class=\"t m1 x88e h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 months</td><td class=\"t m1 x88f h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135 years<span class=\"_ _35a\"> </span></td><td class=\"t m1 x890 h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\">5<span class=\"_ gs4b0\"> </span>years </td></tr><tr><td class=\"t m1 x2cd h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x891 h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4042 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x894 y4043 w5b9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls29 wsca\">1<span class=\"_ _3\"></span>6,47<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x895 y4043 w5ba hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">1,555.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x896 y4043 w5bb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">4,3<span class=\"_ _3\"></span>90.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x897 y4043 w5bc hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>49.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x898 y4043 w5bd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4044 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x899 y4045 w5be hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89a y4045 w5bf hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">7<span class=\"_ _3\"></span>11.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89b y4045 w5c0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls169 ws9a\">4,696.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89c y4045 w5c1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">5,7<span class=\"_ _3\"></span>73.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89d y4045 w5c2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">110.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x89e y4046 w5c3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>76<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89f y4046 w5c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>26<span class=\"_ _3\"></span>6.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a0 y4046 w5c5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a1 y4046 w5c6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">16<span class=\"_ _3\"></span>,022<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a2 y4046 w5c7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h21 y4047 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _149\"> </span> <span class=\"_ _221\"> </span> <span class=\"_ _221\"> </span> <span class=\"_ _177\"> </span> <span class=\"_ _221\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd5 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a3 y3fe6 w5c8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsda wsd6\">1<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a4 y3fe6 w5c9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8<span class=\"_ _3\"></span>12.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a5 y3fe6 w5ca hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">8,<span class=\"_ _0\"></span>181.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a6 y3fe6 w5cb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8,5<span class=\"_ _3\"></span>60.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a7 y3fe6 w5cc hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a8 y3fe8 w5cd hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">8<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a9 y3fe8 w5ce hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,148<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8aa y3fe8 w5cf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,<span class=\"_ _3\"></span>30<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ab y3fe8 w5d0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">5,<span class=\"_ _0\"></span>108<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ac y3fe8 w5d1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x8ad y3f5f w5d2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ae y3f5f w5d3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _0\"></span>960.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8af y3f5f w5d4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>1.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b0 y3f5f w5d5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">13,6<span class=\"_ _3\"></span>68.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b1 y3f5f w5d6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls31 ws7\">372.0<span class=\"_ _35a\"> </span></div></td></tr></table>The Group has 1,<span class=\"_ _0\"></span>111 (202<span class=\"_ _0\"></span>3: 944) derivative contr<span class=\"_ _0\"></span>acts with an aver<span class=\"_ _0\"></span>age fixed rat<span class=\"_ _0\"></span>e of 3.<span class=\"_ _0\"></span>71% (2023:<span class=\"_ gs2a\"> </span>2.<span class=\"_ _0\"></span>70%).<span class=\"_ _35a\"> </span>27<span class=\"_ _5\"></span>. <span class=\"_ _1\"></span>Amounts ow<span class=\"_ _0\"></span>ed to credit institutions<span class=\"_ _35a\"> </span><table class=\"s w441 h109\" id=\"_28be40aa-be96-4cc8-9799-391ebab49147\"><tr><td></td><td class=\"t m1 x2c8 h21 y40ca ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40ca ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w6a2 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse6 wse1\">BoE TF<span class=\"_ _0\"></span>SME<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cc y3d50 w6a3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,394.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cd y3d4f w6a4 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>35<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w127 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls15e ws16d\">B<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>E<span class=\"_ _3\"></span> I<span class=\"_ _1\"></span>LT<span class=\"_ _3\"></span>R<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ce y3d52 w6a5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">380.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cf y3d51 w6a6 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w6a7 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Comm<span class=\"_ _3\"></span>ercial repo<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d0 y3d54 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d1 y3d53 w35 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9d2 y3dce w6a8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,7<span class=\"_ _3\"></span>75.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d3 y3d55 w6a9 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>,362<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6aa hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash c<span class=\"_ _3\"></span>ollateral and m<span class=\"_ _3\"></span>argin recei<span class=\"_ _3\"></span>ved<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d4 y3d57 w6ab hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">160.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d5 y3d58 w6ac hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>12.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9d2 y3d59 w6ad hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x2da y3d5a w73 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr></table>Cred<span class=\"_ _3\"></span>it risk \u2013 loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to custo<span class=\"_ _3\"></span>mers<span class=\"_ _35a\"> </span>Credit risk associated with mortgage lending is lar<span class=\"_ _0\"></span>gely driven by the housing mark<span class=\"_ _0\"></span>et and lev<span class=\"_ _0\"></span>el of unemployment. A recession and/<span class=\"_ _2\"></span>or high inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates could cause pressure within the<span class=\"_ gs2a\"> </span>mark<span class=\"_ _0\"></span>et, resulting in rising lev<span class=\"_ _0\"></span>els of arrear<span class=\"_ _0\"></span>s and repossessions.<span class=\"_ _35a\"> </span>All loan applications are assessed in accor<span class=\"_ _0\"></span>dance with the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Lending Policy. Changes t<span class=\"_ _0\"></span>o the policy are appro<span class=\"_ _0\"></span>ved by the Group Risk Committee<span class=\"_ _0\"></span>, with mandates set for the appro<span class=\"_ _0\"></span>val of loan applications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The Group Credit Committ<span class=\"_ _0\"></span>ee and AL<span class=\"_ _0\"></span>CO regularly monitor lending activity, taking appropriate actions t<span class=\"_ _0\"></span>o reprice products and adjus<span class=\"_ _0\"></span>t lending criteria in order to con<span class=\"_ _0\"></span>trol risk and manage exposure<span class=\"_ _0\"></span>. Where necessary and appropriate<span class=\"_ _0\"></span>, changes to the Lending Policy are<span class=\"_ gs2a\"> </span>recommended<span class=\"_ gs2a\"> </span>t<span class=\"_ _0\"></span>o the Group Risk Committee.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables show the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s maximum e<span class=\"_ _0\"></span>xposure to credit risk and the impact o<span class=\"_ _0\"></span>f collateral held as security, capped at the gross e<span class=\"_ _0\"></span>xposure amount, by impairment s<span class=\"_ _0\"></span>tage. Capped collat<span class=\"_ _0\"></span>eral ex<span class=\"_ _0\"></span>cludes the impact of forced sale discount<span class=\"_ _0\"></span>s and costs to sell. The collater<span class=\"_ _0\"></span>al value is determined by indexing agains<span class=\"_ _0\"></span>t HPI data.<span class=\"_ _35a\"> </span><table class=\"s w780 h116\" id=\"_27d5f385-e987-40b7-9586-071b8a8700fd\"><tr><td></td><td></td><td class=\"c n xace y412f w781 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacf y412f w782 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xad0 y412f w783 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 xa5b h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xad1 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td><td class=\"t m1 xad2 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xa64 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td><td class=\"t m1 xad3 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xad4 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td></tr><tr><td></td><td class=\"t m1 xa58 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xa5f h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td><td class=\"t m1 xad5 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xad6 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td><td class=\"t m1 xad7 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xad8 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td></tr><tr><td></td><td class=\"t m1 xa59 h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xad9 h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td><td class=\"t m1 xada h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69c h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadb h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadc h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69e h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4134 w50d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xadd y4135 w784 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc2 wsc0\">12,338.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xade y4135 w785 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">12<span class=\"_ _3\"></span>,29<span class=\"_ _3\"></span>0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xadf y4135 w786 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae0 y4135 w787 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae1 y4135 w788 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae2 y4135 w789 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4136 w426 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae3 y4137 w78a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _18\"> </span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae4 y4137 w78b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">2<span class=\"_ _3\"></span>,416<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae5 y4137 w78c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>35<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae6 y4137 w78d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae7 y4137 w53d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae8 y4137 w78e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">4,<span class=\"_ _3\"></span>351.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4138 w42d hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae9 y4139 w78f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">655.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaea y4139 w790 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">6<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaeb y4139 w791 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaec y4139 w791 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaed y4139 w792 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f2 y4139 w793 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">943.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y413a w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b5 y413b w435 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaee y413b w794 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaef y413b w795 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">32.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf0 y413b w796 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">32<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf1 y413b w797 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf2 y413b w798 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">6<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xaf3 y413c w799 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">15<span class=\"_ _1\"></span>,4<span class=\"_ _1\"></span>39.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf4 y413c w79a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">15,<span class=\"_ _3\"></span>383.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf5 y413c w79b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf6 y413c w79c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf7 y413c w79d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf8 y413c w79e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,183.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h24 y413d ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2d3\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y413e w50d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf9 y413f w79f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,263<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafa y413f w7a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">11,<span class=\"_ _3\"></span>22<span class=\"_ _3\"></span>8.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafb y413f w7a1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafc y413f w424 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafd y413f w7a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf9 wsf7\">20<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafe y413f w7a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20,542.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w426 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaff y4066 w7a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">2,718.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb00 y4066 w7a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb01 y4066 w7a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,819<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb02 y4066 w7a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,818.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb03 y4066 w540 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb04 y4066 w7a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4,5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w42d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb05 y3fe6 w6ac hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">49<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb06 y3fe6 w30 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd1 wscf\">48<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb07 y3fe6 w432 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb08 y3fe6 w768 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _18\"> </span>1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb09 y3fe6 w7a9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">711<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0a y3fe6 w7aa hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf2 wsee\">706<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0b y3fb5 w438 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0c y3fb5 w7ab hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">33<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0d y3fb5 w7ac hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0e y3fb5 w7ad hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0f y3fb5 w43a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb10 y3fb5 w7ae hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">7<span class=\"_ _3\"></span>0.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xb11 y3f5f w7af hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb12 y3f5f w7b0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _18\"> </span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb13 y3f5f w7b1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"> </span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb14 y3f5f w7b2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,387<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb15 y3f5f w7b3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb16 y3f5f w7b4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">2<span class=\"_ _3\"></span>5,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>54.5<span class=\"_ _35a\"> </span></div></td></tr></table>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main form of collat<span class=\"_ _0\"></span>eral held is property, based in the UK and the Channel Islands.<span class=\"_ _35a\"> </span>Liquidity risk \u2013 asset enc<span class=\"_ _3\"></span>umbrance<span class=\"_ _35a\"> </span>Asset encumbrance le<span class=\"_ _0\"></span>vels are monitor<span class=\"_ _0\"></span>ed by AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>. The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s encumbered and unencumber<span class=\"_ _0\"></span>ed assets:<span class=\"_ _35a\"> </span><table class=\"s wad3 h12a\" id=\"_b3c9a3d7-2d1d-494b-bedb-8c14494a0d5e\"><tr><td></td><td class=\"c n xf96 y4285 wad4 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Encumbered<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf97 y4285 wad5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Unencumbered<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x69e h21 y4286 ff1 fs5 fc5 sc0 ls0 ws0\">Pledged as </td><td></td><td class=\"t m1 xf98 h21 y4286 ff1 fs5 fc5 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>ailable as </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xf99 h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">collateral<span class=\"_ _35a\"> </span></td><td class=\"c xf9b y4288 wad6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Other</div><div class=\"t m1 xf9a h39 y40ab ff1 fs1e fc5 sc0 ls0 ws0\">1</div></td><td class=\"t m1 xf9c h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">collateral<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadb h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">Other<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4287 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x891 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y428a w44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9d y428b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9e y428b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9f y428b w10a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa0 y428b wf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa1 y428b w537 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y428c w9c5 hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa2 y428d w9ad hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">134.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa3 y428d wad7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">40.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa4 y428d w9dc hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa5 y428d wad8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7<span class=\"_ _1\"> </span>7.<span class=\"_ _18\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa6 y428d wad9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y428e w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa7 y428f wada hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">22.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa8 y428f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa9 y428f wadb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">1,411<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfaa y428f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfab y428f w7a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4290 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4291 wadc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 xfac h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfad y4292 wadd hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfae y4292 wf9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfaf y4292 wade hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb0 y4292 wadf hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb1 y4292 wae0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">25,<span class=\"_ _0\"></span>126.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4293 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb2 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb3 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb4 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb5 y4294 w5a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb6 y4294 w9cb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4295 wae1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Non-financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb7 y4296 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb8 y4296 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb9 y4296 wf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfba y4296 wae2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbb y4296 wae3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfbc y4297 wae4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4,8<span class=\"_ _3\"></span>98.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbd y4297 wae5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">40.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbe y4297 wae6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbf y4297 wae7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc0 y4297 wae8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">30,243.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h24 y4298 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _18f\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4299 w44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc1 y429a w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc2 y429a w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc3 y429a we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a8 y429a w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc4 y429a we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y429b w9c5 h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc5 y429c wae9 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls169 ws9a\">198.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc6 y429c waea hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc7 y429c waeb hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">2,25<span class=\"_ _3\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc8 y429c waec hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc9 y429c waed hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls149 ws152\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y429d w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfca y429e waee hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcb y429e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcc y429e waef hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">5<span class=\"_ _3\"></span>94.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcd y429e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfce y429e waf0 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">621.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y429f ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y42a0 wadc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 xfac h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcf y42a1 waf1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscb wsc9\">6<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd0 y42a1 w489 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd1 y42a1 wae4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd wsd0\">17<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>808.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd2 y42a1 waf2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">1,022.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd3 y42a1 waf3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd4 y3fe6 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd5 y3fe6 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd6 y3fe6 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd7 y3fe6 waf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd8 y3fe6 w5ae hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 wae1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Non-financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb7 y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd9 y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfda y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdb y3fe8 waf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(1<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdc y3fe8 waf6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfdd y3f5f waf7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsda wsd6\">7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfde y3f5f waf8 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdf y3f5f waf9 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20,6<span class=\"_ _3\"></span>60.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe0 y3f5f wafa hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">1,668.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe1 y3f5f w7bf hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc2 wsc0\">29<span class=\"_ _0\"></span>,589<span class=\"_ _2\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Rep<span class=\"_ _3\"></span>res<span class=\"_ _3\"></span>ents a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts tha<span class=\"_ _3\"></span>t are not p<span class=\"_ _3\"></span>led<span class=\"_ _3\"></span>ged b<span class=\"_ _3\"></span>ut tha<span class=\"_ _3\"></span>t the Gro<span class=\"_ _3\"></span>up be<span class=\"_ _3\"></span>lieve<span class=\"_ _3\"></span>s it is re<span class=\"_ _3\"></span>str<span class=\"_ _3\"></span>icte<span class=\"_ _3\"></span>d from u<span class=\"_ _3\"></span>sing to s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>re fun<span class=\"_ _3\"></span>ding fo<span class=\"_ _3\"></span>r leg<span class=\"_ _3\"></span>al or other<span class=\"_ _0\"></span> reasons.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>U<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered l<span class=\"_ _3\"></span>oan<span class=\"_ _3\"></span>s and ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers c<span class=\"_ _3\"></span>las<span class=\"_ _3\"></span>sifie<span class=\"_ _3\"></span>d as oth<span class=\"_ _3\"></span>er are re<span class=\"_ _3\"></span>str<span class=\"_ _3\"></span>icte<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e as co<span class=\"_ _3\"></span>llate<span class=\"_ _3\"></span>ral. Th<span class=\"_ _3\"></span>ese i<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>de property registered<span class=\"_ _0\"></span> outside of UK<span class=\"_ _0\"></span> (Jersey and<span class=\"_ _0\"></span> Guernsey),<span class=\"_ _0\"></span> loans and advances no<span class=\"_ _0\"></span>t secured by im<span class=\"_ _0\"></span>movable property and<span class=\"_ _0\"></span> non-per<span class=\"_ _3\"></span>forming loans.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-446": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws17f gs4a1\">22. Derivatives<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4a2\">The table belo<span class=\"_ _0\"></span>w reconciles the gross amount of deriv<span class=\"_ _0\"></span>ative contr<span class=\"_ _0\"></span>acts to the carrying balance </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4a3\">shown in the Consolidate<span class=\"_ _0\"></span>d Statement of Financial Position:<span class=\"_ _35a\"> </span></div><div class=\"gs4a4\"><table class=\"s w59a hfe\" id=\"_f149006f-1966-4181-bce1-fd729c82f205\"><tr><td></td><td></td><td class=\"t m1 x849 h21 y401c ff1 fs5 fc5 sc0 ls0 ws0\">Net amount of </td><td class=\"t m1 x84a h21 y401c ff1 fs5 fc5 sc0 ls0 ws0\">Contracts </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x84b h21 y401d ff1 fs5 fc5 sc0 ls0 ws0\">financial assets </td><td class=\"t m1 x84c h21 y401d ff1 fs5 fc5 sc0 ls0 ws0\">subject to </td><td class=\"t m1 x84d h21 y401d ff1 fs5 fc5 sc0 ls0 ws0\">Cash collateral </td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x84e h21 y401e ff1 fs5 fc5 sc0 ls0 ws0\">/(liabilities) </td><td class=\"t m1 x6f4 h21 y401e ff1 fs5 fc5 sc0 ls0 ws0\">master netting </td><td class=\"t m1 x6ee h21 y401e ff1 fs5 fc5 sc0 ls0 ws0\">paid/ </td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x84f h21 y401f ff1 fs5 fc5 sc0 ls0 ws0\">presented </td><td class=\"t m1 x850 h21 y401f ff1 fs5 fc5 sc0 ls0 ws0\">agreements not </td><td class=\"t m1 x851 h21 y401f ff1 fs5 fc5 sc0 ls0 ws0\">(received) not </td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x852 h21 y4020 ff1 fs5 fc5 sc0 ls0 ws0\">in the </td><td class=\"t m1 x853 h21 y4020 ff1 fs5 fc5 sc0 ls0 ws0\">offset in the </td><td class=\"t m1 x854 h21 y4020 ff1 fs5 fc5 sc0 ls0 ws0\">offset in the </td><td></td></tr><tr><td></td><td class=\"t m1 x855 h21 y4021 ff1 fs5 fc5 sc0 ls48 ws0\">Gross amount </td><td class=\"t m1 x856 h21 y4021 ff1 fs5 fc5 sc0 ls0 ws0\">Consolidated </td><td class=\"t m1 x857 h21 y4021 ff1 fs5 fc5 sc0 ls0 ws0\">Consolidated </td><td class=\"t m1 x858 h21 y4021 ff1 fs5 fc5 sc0 ls0 ws0\">Consolidated </td><td></td></tr><tr><td></td><td class=\"t m1 x859 h21 y4022 ff1 fs5 fc5 sc0 ls48 ws0\">of recognise<span class=\"_ _3\"></span>d </td><td class=\"t m1 x84f h21 y4022 ff1 fs5 fc5 sc0 ls0 ws0\">statement </td><td class=\"t m1 x84a h21 y4022 ff1 fs5 fc5 sc0 ls0 ws0\">statement </td><td class=\"t m1 x2e9 h21 y4022 ff1 fs5 fc5 sc0 ls0 ws0\">statement </td><td></td></tr><tr><td></td><td class=\"t m1 x85a h21 y4023 ff1 fs5 fc5 sc0 ls48 ws0\">financial assets </td><td class=\"t m1 x84e h21 y4023 ff1 fs5 fc5 sc0 ls0 ws0\">of financial </td><td class=\"t m1 x85b h21 y4023 ff1 fs5 fc5 sc0 ls0 ws0\">of financial </td><td class=\"t m1 x85c h21 y4023 ff1 fs5 fc5 sc0 ls0 ws0\">of financial </td><td></td></tr><tr><td></td><td class=\"t m1 x85d h21 y4024 ff1 fs5 fc5 sc0 ls48 ws48\">/(liabilities)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x85e h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">position<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e8 h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">position<span class=\"_ _35a\"> </span></td><td class=\"t m1 x85f h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">position<span class=\"_ _35a\"> </span></td><td class=\"t m1 x860 h21 y4024 ff1 fs5 fc5 sc0 ls0 ws0\">Net amount<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x861 h21 y4025 ff1 fs5 fc5 sc0 ls48 ws48\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4025 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c hf y4026 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets:<span class=\"_ _153\"> </span><span class=\"ff1 fs0\"> <span class=\"_ _221\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4027 ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4028 w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x866 y4029 w59c hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">312.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x867 y4029 w59d hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">312<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x868 y4029 w59e hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">(7<span class=\"_ _3\"></span>5.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x869 y4029 w59f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(16<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86a y4029 w10f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">73.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y402a ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y402b ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></td><td class=\"c n x86b y402c w5a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86c y402c w5a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86d y402c w5a1 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86e y402c wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x86f y402c wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x870 y402d w5a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x871 y402d w5a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x872 y402d w5a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls155 ws164\">(<span class=\"_ _3\"></span>76<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x873 y402d w5a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">(16<span class=\"_ _3\"></span>3.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x874 y402d w10f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">73.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y402e ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es:<span class=\"_ _280\"> </span><span class=\"ff1 fs0\"> <span class=\"_ _221\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y402f ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4030 w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y4031 w5a6 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>7<span class=\"_ _1\"> </span>7.<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x876 y4031 w5a7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _18\"> </span>7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x877 y4031 w3d hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">7<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x878 y4031 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x879 y4031 w5a8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls48 ws48\">(1.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4032 ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4033 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013 struc<span class=\"_ _3\"></span>tural hedge<span class=\"_ _35a\"> </span></td><td class=\"c n x87a y4034 w5a9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87b y4034 w5a9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>4.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87c y4034 w5a0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87d y4034 w5aa hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x87e y4034 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x87f y4035 w5ab hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">(81.<span class=\"_ _0\"></span>9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x880 y4035 w5ab hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">(81.<span class=\"_ _0\"></span>9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x881 y4035 w5ac hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls155 ws164\">76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x882 y4035 w5ad hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x883 y4035 w5a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">(1<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y4036 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _71\"> </span><span class=\"ff2 fs0 fc4\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4037 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets:<span class=\"_ _153\"> </span><span class=\"fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4038 ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4039 w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x884 y403b w5ae hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x885 y403b w5ae hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x886 y403b w5af hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd3 ws2\">(45.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x887 y403b w5b0 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">(212.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x888 y403b w5b1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>72<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y403c ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es:<span class=\"_ _280\"> </span><span class=\"fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y403d ff2 fs6 fc4 sc0 ls0 ws0\">Interest ra<span class=\"_ _3\"></span>te risk hedgin<span class=\"_ _3\"></span>g </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y3d5a w59b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">\u2013 product</div><div class=\"t m1 x865 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x875 y403e w5b2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x889 y403e w5b3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x88a y403e w5b4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd3 ws2\">45.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x88b y403e w5b5 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">21<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x88c y403e w5b6 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscd wscc\">6<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4a5\">1. <span class=\"_ _14\"> </span> P<span class=\"_ _3\"></span>rodu<span class=\"_ _3\"></span>ct rel<span class=\"_ _3\"></span>ates to t<span class=\"_ _3\"></span>he he<span class=\"_ _3\"></span>dgin<span class=\"_ _3\"></span>g of loa<span class=\"_ _3\"></span>n ass<span class=\"_ _3\"></span>ets, re<span class=\"_ _3\"></span>tail de<span class=\"_ _3\"></span>po<span class=\"_ _3\"></span>sits a<span class=\"_ _3\"></span>nd deb<span class=\"_ _3\"></span>t issu<span class=\"_ _3\"></span>ed, in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ing pip<span class=\"_ _3\"></span>eli<span class=\"_ _3\"></span>ne he<span class=\"_ _3\"></span>dge<span class=\"_ _3\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4a7\">Derivative asset<span class=\"_ _0\"></span>s and liabilities include an initial margin of \u00a3131.7<span class=\"_ _2\"></span>m (2023: \u00a3198.<span class=\"_ _2\"></span>4m) with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4a8\">sw<span class=\"_ _0\"></span>ap counterparties. Mar<span class=\"_ _0\"></span>gin is posted daily in r<span class=\"_ _0\"></span>espect of derivatives tr<span class=\"_ _0\"></span>ansacted with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4a9\">sw<span class=\"_ _0\"></span>ap<span class=\"_ gs2a\"> </span>counterparties.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4aa\">Included within the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s derivativ<span class=\"_ _0\"></span>e assets is \u00a37<span class=\"_ _0\"></span>2.6m (2023: \u00a3112.<span class=\"_ _0\"></span>0m) and derivative liabilities </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ab\">\u00a31.2m (2023: nil) r<span class=\"_ _0\"></span>elating to derivative con<span class=\"_ _0\"></span>tracts not co<span class=\"_ _0\"></span>vered by mas<span class=\"_ _0\"></span>ter netting agreement<span class=\"_ _0\"></span>s on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ac\">which no cash collater<span class=\"_ _0\"></span>al has been paid.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ad\">The table belo<span class=\"_ _0\"></span>w profiles the maturity of nominal amount<span class=\"_ _0\"></span>s for interes<span class=\"_ _0\"></span>t rate risk he<span class=\"_ _0\"></span>dging </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ae\">derivatives base<span class=\"_ _0\"></span>d on contractual maturity: </div><div class=\"gs4af\"><table class=\"s w5b7 hff\" id=\"_eb1d03de-2900-4800-a8cf-cc87b1fd3ed3\"><tr><td></td><td></td><td class=\"t m1 x88d h21 y403f ff1 fs5 fc5 sc0 ls0 ws0\">Less than </td><td></td><td></td><td class=\"t m1 x7c4 h21 y403f ff1 fs5 fc5 sc0 ls0 ws0\">More than </td></tr><tr><td></td><td class=\"t m1 x7bf h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal nominal </td><td class=\"t m1 x79b h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\">3<span class=\"_ gs4b0\"> </span>months</td><td class=\"t m1 x88e h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 months</td><td class=\"t m1 x88f h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135 years<span class=\"_ _35a\"> </span></td><td class=\"t m1 x890 h21 y4040 ff1 fs5 fc5 sc0 ls0 ws0\">5<span class=\"_ gs4b0\"> </span>years </td></tr><tr><td class=\"t m1 x2cd h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x891 h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4041 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4042 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x894 y4043 w5b9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls29 wsca\">1<span class=\"_ _3\"></span>6,47<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x895 y4043 w5ba hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">1,555.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x896 y4043 w5bb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">4,3<span class=\"_ _3\"></span>90.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x897 y4043 w5bc hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>49.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x898 y4043 w5bd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4044 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x899 y4045 w5be hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89a y4045 w5bf hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">7<span class=\"_ _3\"></span>11.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89b y4045 w5c0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls169 ws9a\">4,696.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89c y4045 w5c1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">5,7<span class=\"_ _3\"></span>73.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89d y4045 w5c2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">110.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x89e y4046 w5c3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>76<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x89f y4046 w5c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>26<span class=\"_ _3\"></span>6.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a0 y4046 w5c5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a1 y4046 w5c6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">16<span class=\"_ _3\"></span>,022<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a2 y4046 w5c7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h21 y4047 ff1 fs5 fc5 sc0 ls0 ws0\">As at 31 Decemb<span class=\"_ _3\"></span>er 2023<span class=\"_ _149\"> </span> <span class=\"_ _221\"> </span> <span class=\"_ _221\"> </span> <span class=\"_ _177\"> </span> <span class=\"_ _221\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd5 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a3 y3fe6 w5c8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsda wsd6\">1<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a4 y3fe6 w5c9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8<span class=\"_ _3\"></span>12.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a5 y3fe6 w5ca hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">8,<span class=\"_ _0\"></span>181.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a6 y3fe6 w5cb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8,5<span class=\"_ _3\"></span>60.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a7 y3fe6 w5cc hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a8 y3fe8 w5cd hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">8<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8a9 y3fe8 w5ce hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,148<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8aa y3fe8 w5cf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,<span class=\"_ _3\"></span>30<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ab y3fe8 w5d0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">5,<span class=\"_ _0\"></span>108<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ac y3fe8 w5d1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x8ad y3f5f w5d2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ae y3f5f w5d3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _0\"></span>960.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8af y3f5f w5d4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>1.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b0 y3f5f w5d5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">13,6<span class=\"_ _3\"></span>68.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b1 y3f5f w5d6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls31 ws7\">372.0<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4b1\">The Group has 1,<span class=\"_ _0\"></span>111 (202<span class=\"_ _0\"></span>3: 944) derivative contr<span class=\"_ _0\"></span>acts with an aver<span class=\"_ _0\"></span>age fixed rat<span class=\"_ _0\"></span>e of 3.<span class=\"_ _0\"></span>71% </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4b2\">(2023:<span class=\"_ gs2a\"> </span>2.<span class=\"_ _0\"></span>70%).<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-447": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws180 gs4b4\">23. Hedge <span class=\"_ _3\"></span>acc<span class=\"_ _3\"></span>ounting<span class=\"_ _35a\"> </span></div><div class=\"gs4b5\"><table class=\"s w5d7 h100\" id=\"_0d78f80a-4842-4e0f-8ea4-e35afdc84d80\"><tr><td></td><td class=\"t m1 x3cd h21 y4048 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y4048 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y4049 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4049 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y404a ff1 fs6 fc4 sc0 ls104 ws59\">Hedged assets<span class=\"_ _2b7\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y404b w5d8 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Current he<span class=\"_ _3\"></span>dge relatio<span class=\"_ _3\"></span>nships<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b2 y404c w5d9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">(165.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b3 y404b w5da hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y404d w5db hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Swap ince<span class=\"_ _3\"></span>ption adjustm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td><td class=\"c n x29a y404e w5dc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">23<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b4 y404d w5dd hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4d w5de hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Canc<span class=\"_ _3\"></span>elled h<span class=\"_ _3\"></span>edge rel<span class=\"_ _3\"></span>ationships<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b5 y3d4e w5df hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls11 wsf\">(33<span class=\"_ _3\"></span>.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b6 y3d4d w5e0 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">(3<span class=\"_ _3\"></span>0.8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w5e1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">De-<span class=\"_ _3\"></span>designa<span class=\"_ _3\"></span>ted hedg<span class=\"_ _3\"></span>e relation<span class=\"_ _3\"></span>ships<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b7 y404f w5e2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">(<span class=\"_ _3\"></span>4.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b8 y3d4f w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd2 w5e4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">Fair value adjus<span class=\"_ _3\"></span>tment<span class=\"_ _3\"></span>s on hedg<span class=\"_ _3\"></span>ed ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b9 y3fd2 w5e5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">(179<span class=\"_ _0\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ba y3d51 w5e6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(2<span class=\"_ _3\"></span>43<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4050 ff1 fs6 fc4 sc0 ls61 ws5d\">Hed<span class=\"_ _3\"></span>ged liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _cf\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d55 w5d8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Current he<span class=\"_ _3\"></span>dge relatio<span class=\"_ _3\"></span>nships<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8bb y3d56 w5e7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8bc y3d55 w5e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(22<span class=\"_ _3\"></span>.2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w5db hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Swap ince<span class=\"_ _3\"></span>ption adjustm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8bd y3d57 w5e9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8be y3d58 w5ea hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d59 w5eb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">Fair value adjus<span class=\"_ _3\"></span>tment<span class=\"_ _3\"></span>s on hedg<span class=\"_ _3\"></span>ed liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8bf y3d59 w5ec hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8c0 y3d5a w5ed hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">(2<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4b6\">In the firs<span class=\"_ _0\"></span>t half of 2024<span class=\"_ _0\"></span>, the Group commenced the implemen<span class=\"_ _0\"></span>tation of an equity structur<span class=\"_ _0\"></span>al </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4b7\">hedge comprising of a series of r<span class=\"_ _0\"></span>eceive fixed r<span class=\"_ _0\"></span>ate sw<span class=\"_ _0\"></span>aps, to r<span class=\"_ _0\"></span>educe earnings volatility due to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4b8\">inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e changes arising from the portion of the balance sheet funded by equity. The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4b9\">Group continued t<span class=\"_ _0\"></span>o hedge its fixed r<span class=\"_ _0\"></span>ate mortgage por<span class=\"_ _3\"></span>tfolio in full with pay fix<span class=\"_ _0\"></span>ed rate s<span class=\"_ _0\"></span>waps<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ba\">The equity struc<span class=\"_ _0\"></span>tural hedge was no<span class=\"_ _0\"></span>t designated as a hedge under IAS 39 and, to minimise f<span class=\"_ _0\"></span>air </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4bb\">value volatility thr<span class=\"_ _0\"></span>ough the income statemen<span class=\"_ _0\"></span>t, an equivalent portion of the exis<span class=\"_ _0\"></span>ting mortgage </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws6f gs4bc\">hedge was de-designat<span class=\"_ _0\"></span>ed. The equity structur<span class=\"_ _0\"></span>al hedge has a weigh<span class=\"_ _0\"></span>ted aver<span class=\"_ _0\"></span>age life of 2.5 ye<span class=\"_ _0\"></span>ars </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4bd\">and the notional amount w<span class=\"_ _0\"></span>as \u00a31,<span class=\"_ _0\"></span>409<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9m as at 31 December 2024<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4be\">The sw<span class=\"_ _0\"></span>ap inception adjustment r<span class=\"_ _0\"></span>elates to hedge accounting adjus<span class=\"_ _0\"></span>tments arising when hedge </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4bf\">accounting commences, r<span class=\"_ _0\"></span>eflecting the change in fair value on the hedge<span class=\"_ _0\"></span>d item due to the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c0\">hedged risk that occurred prior t<span class=\"_ _0\"></span>o being designated in a hedge accounting relationship. The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c1\">Group uses the associated s<span class=\"_ _0\"></span>wap value as a pr<span class=\"_ _0\"></span>oxy for this initial v<span class=\"_ _0\"></span>alue, based on derivativ<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c2\">instrumen<span class=\"_ _0\"></span>ts previously t<span class=\"_ _0\"></span>aken out on the mortgage pipeline or ne<span class=\"_ _0\"></span>w retail deposits<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c3\">De-designated hedge relationships r<span class=\"_ _0\"></span>elate to hedge accounting adjus<span class=\"_ _0\"></span>tments on failed or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c4\">discontinued hedge r<span class=\"_ _0\"></span>elationships which are amortised over the remaining liv<span class=\"_ _0\"></span>es of the original </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c5\">hedged items<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c6\">Cancelled hedge relationships pr<span class=\"_ _0\"></span>edominantly represen<span class=\"_ _0\"></span>t the unamor<span class=\"_ _3\"></span>tised fair v<span class=\"_ _0\"></span>alue adjustment </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c7\">for int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk hedges that have been cancelled and r<span class=\"_ _0\"></span>eplaced due to IBOR transition, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c8\">securitisation activities, the inception o<span class=\"_ _0\"></span>f the equity structur<span class=\"_ _0\"></span>al hedge and legacy long-term fixed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c9\">rate mortgages (<span class=\"_ _0\"></span>c. 25 year<span class=\"_ _0\"></span>s at origination). </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4cb\">The table belo<span class=\"_ _0\"></span>w analyses the Group\u2019<span class=\"_ _2\"></span>s por<span class=\"_ _3\"></span>tfolio hedge accoun<span class=\"_ _0\"></span>ting for fixed r<span class=\"_ _0\"></span>ate loans and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4cc\">advances to cus<span class=\"_ _0\"></span>tomers:<span class=\"_ _35a\"> </span></div><div class=\"gs4cd\"><table class=\"s w5ee h101\" id=\"_98f3f200-145e-4f7b-8d1d-ed1cbbf3db1d\"><tr><td></td><td class=\"c n x8c1 y4051 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x8c2 y4051 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x8c3 h21 y4052 ff1 fs5 fc5 sc0 ls0 ws0\">Hedging </td><td></td><td class=\"t m1 x8c4 h21 y4052 ff1 fs5 fc5 sc0 ls0 ws0\">Hedging </td></tr><tr><td></td><td class=\"t m1 x69f h21 y4053 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged item<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c5 h21 y4053 ff1 fs5 fc5 sc0 ls0 ws0\">instrument<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c6 h21 y4053 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged item<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c7 h21 y4053 ff1 fs5 fc5 sc0 ls0 ws0\">instrument<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4054 ff1 fs5 fc5 sc0 ls0 ws0\">Loans and advances to customers<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4054 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4054 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4054 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4054 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd hf y4055 ff2 fs6 fc4 sc0 ls0 ws0\">Carryin<span class=\"_ _3\"></span>g amount of hedg<span class=\"_ _3\"></span>ed item/<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4056 ff2 fs6 fc4 sc0 ls0 ws0\">nominal valu<span class=\"_ _3\"></span>e of hedging ins<span class=\"_ _3\"></span>trument<span class=\"_ _35a\"> </span></td><td class=\"c n x8c8 y4057 w5ef h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">13,123.0</div></td><td class=\"c n x8c9 y4057 w5f0 h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.9</div></td><td class=\"c n x8ca y4057 w5f1 h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4</div></td><td class=\"c n x8cb y4057 w5f2 h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscb wsc9\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4058 ff2 fs6 fc4 sc0 ls0 ws0\">Cumulative fair valu<span class=\"_ _3\"></span>e adjustme<span class=\"_ _3\"></span>nts </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y405a w5f3 h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">of hedg<span class=\"_ _3\"></span>ed item/fair value of<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">hed<span class=\"_ _3\"></span>ging<span class=\"_ gs2a\"> </span>instrume<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8cc y405b w5f4 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls48 ws48\">(165.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8cd y405b w5f5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ce y405b w5f6 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscc wscb\">(2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8cf y405b w5f7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd0 wsce\">3<span class=\"_ _3\"></span>12.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y405c ff2 fs6 fc4 sc0 ls0 ws0\">Change<span class=\"_ _3\"></span>s in the fair value adjus<span class=\"_ _3\"></span>tment </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y405d ff2 fs6 fc4 sc0 ls0 ws0\">of hedg<span class=\"_ _3\"></span>ed item/he<span class=\"_ _3\"></span>dging ins<span class=\"_ _3\"></span>trument </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y405e ff2 fs6 fc4 sc0 ls0 ws0\">use<span class=\"_ _3\"></span>d for reco<span class=\"_ _3\"></span>gnising the he<span class=\"_ _3\"></span>dge </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y405f ff2 fs6 fc4 sc0 ls0 ws0\">ineffe<span class=\"_ _3\"></span>ctivene<span class=\"_ _3\"></span>ss for the p<span class=\"_ _3\"></span>eriod<span class=\"_ _35a\"> </span></td><td class=\"c n x8d0 y4060 w5f8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">31.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d1 y4060 w5f9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">(53.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d2 y4060 w5fa hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd8 ws5c\">58<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d3 y4060 w5fb hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd8 ws5c\">(59<span class=\"_ _3\"></span>0.5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4061 ff2 fs6 fc4 sc0 ls0 ws0\">Cumulative fair valu<span class=\"_ _3\"></span>e on canc<span class=\"_ _3\"></span>elled </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4062 ff2 fs6 fc4 sc0 ls0 ws0\">hed<span class=\"_ _3\"></span>ge relation<span class=\"_ _3\"></span>ships<span class=\"_ _35a\"> </span></td><td class=\"c n x8d4 y4063 w5fc hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(33<span class=\"_ _3\"></span>.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d5 y4063 wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d6 y4063 w5fd hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>0.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d7 y4063 w489 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ce\">In the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position, \u00a3265<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a346<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9m) of hedging </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4cf\">instrumen<span class=\"_ _0\"></span>ts were r<span class=\"_ _0\"></span>ecognised within derivative asset<span class=\"_ _0\"></span>s; and \u00a348.3m (2023: \u00a3157<span class=\"_ _5\"></span>.2m) within </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4d0\">derivative liabilities<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4d1\">The mov<span class=\"_ _0\"></span>ement in cancelled hedge relationships is as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _35a\"> </span></div><div class=\"gs4d2\"><table class=\"s w5fe h104\" id=\"_d2e241ea-f46d-431c-b481-aa3f0212d3d9\"><tr><td></td><td class=\"t m1 x2c8 h21 y4064 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4064 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4065 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged assets<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cb h21 y4065 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4065 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fd3 w5ff hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d8 y4066 w600 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">(3<span class=\"_ _3\"></span>0.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8d9 y3fd3 w4d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">(5<span class=\"_ _3\"></span>.2)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3f99 w601 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">New c<span class=\"_ _3\"></span>ancellati<span class=\"_ _3\"></span>ons</div><div class=\"t m1 x8da h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x755 y3fe6 w602 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(2<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8db y3fd5 w603 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(2<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w604 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Amor<span class=\"_ _3\"></span>tisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8dc y3fe8 w605 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">20.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8dd y3fe7 w606 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls21 ws20\">(2.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w607 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8de y3f5f w608 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls11 wsf\">(3<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3e5 y3d5a w4b9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">(30.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4d3\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The n<span class=\"_ _3\"></span>ew ca<span class=\"_ _3\"></span>nce<span class=\"_ _3\"></span>llati<span class=\"_ _3\"></span>ons ar<span class=\"_ _3\"></span>e from th<span class=\"_ _3\"></span>e sec<span class=\"_ _3\"></span>urit<span class=\"_ _3\"></span>isati<span class=\"_ _3\"></span>on of mo<span class=\"_ _3\"></span>rtg<span class=\"_ _3\"></span>age<span class=\"_ _3\"></span>s durin<span class=\"_ _3\"></span>g the y<span class=\"_ _3\"></span>ear wh<span class=\"_ _3\"></span>ere th<span class=\"_ _3\"></span>e Group c<span class=\"_ _3\"></span>anc<span class=\"_ _3\"></span>els s<span class=\"_ _3\"></span>waps w<span class=\"_ _3\"></span>hich </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4d4\">wer<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>tive p<span class=\"_ _3\"></span>rior to t<span class=\"_ _3\"></span>he eve<span class=\"_ _3\"></span>nt, rep<span class=\"_ _3\"></span>lac<span class=\"_ _3\"></span>ing the<span class=\"_ _3\"></span>se w<span class=\"_ _3\"></span>ith ne<span class=\"_ _3\"></span>w swap<span class=\"_ _3\"></span>s withi<span class=\"_ _3\"></span>n SPV s<span class=\"_ _3\"></span>tru<span class=\"_ _3\"></span>cture<span class=\"_ _3\"></span>s, with t<span class=\"_ _3\"></span>he de<span class=\"_ _3\"></span>sign<span class=\"_ _3\"></span>ated h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>e </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4d5\">move<span class=\"_ _3\"></span>d to ca<span class=\"_ _3\"></span>nce<span class=\"_ _3\"></span>lled h<span class=\"_ _3\"></span>edg<span class=\"_ _3\"></span>e rela<span class=\"_ _3\"></span>tion<span class=\"_ _3\"></span>ship<span class=\"_ _3\"></span>s to be am<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tise<span class=\"_ _3\"></span>d over t<span class=\"_ _3\"></span>he rem<span class=\"_ _3\"></span>ainin<span class=\"_ _3\"></span>g origi<span class=\"_ _3\"></span>nal lif<span class=\"_ _3\"></span>e of the s<span class=\"_ _3\"></span>wap. Ad<span class=\"_ _3\"></span>ditio<span class=\"_ _3\"></span>nally,<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4d6\">in<span class=\"_ gs378\"> </span>2024, c<span class=\"_ _3\"></span>ance<span class=\"_ _3\"></span>llat<span class=\"_ _3\"></span>ions o<span class=\"_ _3\"></span>ccu<span class=\"_ _3\"></span>rred d<span class=\"_ _3\"></span>ue to the c<span class=\"_ _3\"></span>omm<span class=\"_ _3\"></span>enc<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nt of the s<span class=\"_ _3\"></span>truc<span class=\"_ _3\"></span>tural he<span class=\"_ _3\"></span>dge p<span class=\"_ _3\"></span>rogr<span class=\"_ _3\"></span>amme.<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4d8\">The table belo<span class=\"_ _0\"></span>w analyses the Group\u2019<span class=\"_ _2\"></span>s por<span class=\"_ _3\"></span>tfolio hedge accoun<span class=\"_ _0\"></span>ting for fixed r<span class=\"_ _0\"></span>ate amounts o<span class=\"_ _0\"></span>wed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4d9\">to ret<span class=\"_ _0\"></span>ail depositors:<span class=\"_ _35a\"> </span></div><div class=\"gs4cd\"><table class=\"s w609 h105\" id=\"_7402eaaf-d708-4ce7-a9ed-49f7520a3a95\"><tr><td></td><td class=\"c n x8c1 y4067 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x8c2 y4067 w4df hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x2e8 h21 y4068 ff1 fs5 fc5 sc0 ls0 ws0\">Hedging </td><td></td><td class=\"t m1 x8df h21 y4068 ff1 fs5 fc5 sc0 ls0 ws0\">Hedging </td></tr><tr><td></td><td class=\"t m1 x8e0 h21 y4069 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged item<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e1 h21 y4069 ff1 fs5 fc5 sc0 ls0 ws0\">instrument<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e2 h21 y4069 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged item<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e3 h21 y4069 ff1 fs5 fc5 sc0 ls0 ws0\">instrument<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y406a ff1 fs5 fc5 sc0 ls0 ws0\">Customer deposits<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y406a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y406a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y406a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y406a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c hf y406b ff2 fs6 fc4 sc0 ls0 ws0\">Carryin<span class=\"_ _3\"></span>g amount of hedg<span class=\"_ _3\"></span>ed item/<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y406c ff2 fs6 fc4 sc0 ls0 ws0\">nominal valu<span class=\"_ _3\"></span>e of hedging ins<span class=\"_ _3\"></span>trument<span class=\"_ _35a\"> </span></td><td class=\"c n x8e4 y406d w60a hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsb ws8\">8,368.8</div></td><td class=\"c n x8e5 y406d w60b hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsb ws8\">8,393.<span class=\"_ _0\"></span>9</div></td><td class=\"c n x8e6 y406d w60c hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd2 wsd1\">8,<span class=\"_ _0\"></span>955.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8e7 y406d w60d hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscb wsc9\">8<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>47<span class=\"_ _0\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y406e ff2 fs6 fc4 sc0 ls0 ws0\">Cumulative fair valu<span class=\"_ _3\"></span>e adjustme<span class=\"_ _3\"></span>nts </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y406f w60e h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">of hedg<span class=\"_ _3\"></span>ed item/fair value of<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">hed<span class=\"_ _3\"></span>ging<span class=\"_ gs2a\"> </span>instrume<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8e8 y4070 w60f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc8 ws29\">6.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8e9 y4070 w610 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls48 ws48\">(<span class=\"_ _3\"></span>4.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ea y4070 w51b hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls29 wsca\">(6.<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8eb y4070 w611 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscd wscc\">1<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4071 ff2 fs6 fc4 sc0 ls0 ws0\">Change<span class=\"_ _3\"></span>s in the fair value adjus<span class=\"_ _3\"></span>tment </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4072 ff2 fs6 fc4 sc0 ls0 ws0\">of hedg<span class=\"_ _3\"></span>ed item/he<span class=\"_ _3\"></span>dging ins<span class=\"_ _3\"></span>trument </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4073 ff2 fs6 fc4 sc0 ls0 ws0\">use<span class=\"_ _3\"></span>d for reco<span class=\"_ _3\"></span>gnising the he<span class=\"_ _3\"></span>dge </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4074 ff2 fs6 fc4 sc0 ls0 ws0\">ineffe<span class=\"_ _3\"></span>ctivene<span class=\"_ _3\"></span>ss for the p<span class=\"_ _3\"></span>eriod<span class=\"_ _35a\"> </span></td><td class=\"c n x8ec y4075 w4f8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ed y4075 w97 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls3b ws39\">(22<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ee y4075 w612 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ef y4075 w613 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsce ws70\">78<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4da\">In the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position, \u00a33.<span class=\"_ _0\"></span>6m (2023: \u00a340<span class=\"_ _0\"></span>.3m) of hedging </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4db\">instrumen<span class=\"_ _0\"></span>ts were r<span class=\"_ _0\"></span>ecognised within derivative asset<span class=\"_ _0\"></span>s; and \u00a37<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a323<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m) within </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4dc\">derivative liabilities<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4de\">The table belo<span class=\"_ _0\"></span>w analyses the Group\u2019<span class=\"_ _2\"></span>s \u2018<span class=\"_ _0\"></span>micro<span class=\"_ _0\"></span>\u2019 hedge accounting for fix<span class=\"_ _0\"></span>ed rate senior not<span class=\"_ _0\"></span>es and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4df\">subordinate<span class=\"_ _0\"></span>d liabilities:<span class=\"_ _35a\"> </span></div><div class=\"gs4cd\"><table class=\"s w614 h105\" id=\"_fe3d51f7-d3c4-43ca-a4a4-09e0f2255eda\"><tr><td></td><td></td><td class=\"c n x8c1 y4067 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8c2 y4067 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x8c3 h21 y4076 ff1 fs5 fc5 sc0 ls0 ws0\">Hedging </td><td></td><td class=\"t m1 x8c4 h21 y4076 ff1 fs5 fc5 sc0 ls0 ws0\">Hedging </td></tr><tr><td></td><td class=\"t m1 x69f h21 y4077 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged item<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c5 h21 y4077 ff1 fs5 fc5 sc0 ls0 ws0\">instrument<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c6 h21 y4077 ff1 fs5 fc5 sc0 ls0 ws0\">Hedged item<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c7 h21 y4077 ff1 fs5 fc5 sc0 ls0 ws0\">instrument<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4078 ff1 fs5 fc5 sc0 ls0 ws0\">Senior notes and subordinated liabilities<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4078 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4078 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4078 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4078 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd hf y4079 ff2 fs6 fc4 sc0 ls0 ws0\">Carryin<span class=\"_ _3\"></span>g amount of hedg<span class=\"_ _3\"></span>ed item/<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y407a ff2 fs6 fc4 sc0 ls0 ws0\">nominal valu<span class=\"_ _3\"></span>e of hedging ins<span class=\"_ _3\"></span>trument<span class=\"_ _35a\"> </span></td><td class=\"c n x8f0 y407b w615 h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls155 ws164\">76<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f1 y407b w615 h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls155 ws164\">76<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f2 y407b w616 h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd0 wsce\">3<span class=\"_ _3\"></span>65.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f3 y407b w617 h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd0 wsce\">365<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y407c ff2 fs6 fc4 sc0 ls0 ws0\">Cumulative fair valu<span class=\"_ _3\"></span>e adjustme<span class=\"_ _3\"></span>nts </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y406f w5f3 h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">of hedg<span class=\"_ _3\"></span>ed item/fair value of<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">hed<span class=\"_ _3\"></span>ging<span class=\"_ gs2a\"> </span>instrume<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f4 y4070 w618 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc8 ws29\">2.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f5 y4070 w619 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f6 y4070 w61a hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls33 ws31\">(1<span class=\"_ _3\"></span>5.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f7 y4070 w61b hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls169 ws9a\">15.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y407d ff2 fs6 fc4 sc0 ls0 ws0\">Change<span class=\"_ _3\"></span>s in the fair value adjus<span class=\"_ _3\"></span>tment </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y407e ff2 fs6 fc4 sc0 ls0 ws0\">of hedg<span class=\"_ _3\"></span>ed item/he<span class=\"_ _3\"></span>dging ins<span class=\"_ _3\"></span>trument </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y407f ff2 fs6 fc4 sc0 ls0 ws0\">use<span class=\"_ _3\"></span>d for reco<span class=\"_ _3\"></span>gnising the he<span class=\"_ _3\"></span>dge </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4080 ff2 fs6 fc4 sc0 ls0 ws0\">ineffe<span class=\"_ _3\"></span>ctivene<span class=\"_ _3\"></span>ss for the p<span class=\"_ _3\"></span>eriod<span class=\"_ _35a\"> </span></td><td class=\"c n x8d0 y4075 w61c hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">13.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f8 y4075 w61d hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf2 wsee\">(1<span class=\"_ _3\"></span>3.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8f9 y4075 w61a hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls33 ws31\">(15.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fa y4075 w61e hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls169 ws9a\">15.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4e0\">The Group has elected t<span class=\"_ _0\"></span>o par<span class=\"_ _3\"></span>tially hedge the senior notes up t<span class=\"_ _0\"></span>o the optional redemption date </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4e1\">which reflect<span class=\"_ _0\"></span>s management\u2019<span class=\"_ _2\"></span>s expectations about the ex<span class=\"_ _0\"></span>ercise of the call option. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws1e gs4e2\">In the Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position, \u00a35.<span class=\"_ _2\"></span>9m (<span class=\"_ _0\"></span>2023: \u00a315.6m) of he<span class=\"_ _0\"></span>dging instruments </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4e3\">wer<span class=\"_ _0\"></span>e recognised within derivativ<span class=\"_ _0\"></span>e assets, and \u00a38.<span class=\"_ _0\"></span>6m (2023: nil) within derivativ<span class=\"_ _0\"></span>e liabilities.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfHedgeAccountingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-448": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs4e5\">24<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span> Other assets </div><div class=\"gs4e6\"><table class=\"s w441 h106\" id=\"_a598916d-629d-46c5-b5c2-39285c7f76d6\"><tr><td></td><td class=\"t m1 x2c8 h21 y4081 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4081 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4083 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _4b\"> </span><span class=\"fs0 ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4084 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fb y4085 w620 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fc y4085 w621 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4086 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fd y4087 w623 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fe y4087 w624 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4088 ff1 fs6 fc4 sc0 ls0 ws0\">Falling due m<span class=\"_ _3\"></span>ore than o<span class=\"_ _3\"></span>ne year<span class=\"_ _2ba\"> </span><span class=\"fs0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd5 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ff y3fe6 w625 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e0 y3fe6 w626 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x900 y3fe8 w627 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x901 y3fe8 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x902 y3f5f w629 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x903 y3f5f w62a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-512": {
   "value": "24<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span> Other assets <table class=\"s w441 h106\" id=\"_a598916d-629d-46c5-b5c2-39285c7f76d6\"><tr><td></td><td class=\"t m1 x2c8 h21 y4081 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4081 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4083 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _4b\"> </span><span class=\"fs0 ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4084 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fb y4085 w620 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fc y4085 w621 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4086 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fd y4087 w623 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fe y4087 w624 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4088 ff1 fs6 fc4 sc0 ls0 ws0\">Falling due m<span class=\"_ _3\"></span>ore than o<span class=\"_ _3\"></span>ne year<span class=\"_ _2ba\"> </span><span class=\"fs0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd5 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ff y3fe6 w625 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e0 y3fe6 w626 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x900 y3fe8 w627 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x901 y3fe8 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x902 y3f5f w629 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x903 y3f5f w62a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-526": {
   "value": "24<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span> Other assets <table class=\"s w441 h106\" id=\"_a598916d-629d-46c5-b5c2-39285c7f76d6\"><tr><td></td><td class=\"t m1 x2c8 h21 y4081 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4081 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4083 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _4b\"> </span><span class=\"fs0 ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4084 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fb y4085 w620 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fc y4085 w621 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4086 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fd y4087 w623 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fe y4087 w624 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4088 ff1 fs6 fc4 sc0 ls0 ws0\">Falling due m<span class=\"_ _3\"></span>ore than o<span class=\"_ _3\"></span>ne year<span class=\"_ _2ba\"> </span><span class=\"fs0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd5 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ff y3fe6 w625 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e0 y3fe6 w626 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x900 y3fe8 w627 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x901 y3fe8 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x902 y3f5f w629 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x903 y3f5f w62a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-491": {
   "value": "24<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span> Other assets <table class=\"s w441 h106\" id=\"_a598916d-629d-46c5-b5c2-39285c7f76d6\"><tr><td></td><td class=\"t m1 x2c8 h21 y4081 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4081 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4082 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4083 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _4b\"> </span><span class=\"fs0 ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4084 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fb y4085 w620 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fc y4085 w621 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4086 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fd y4087 w623 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8fe y4087 w624 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4088 ff1 fs6 fc4 sc0 ls0 ws0\">Falling due m<span class=\"_ _3\"></span>ore than o<span class=\"_ _3\"></span>ne year<span class=\"_ _2ba\"> </span><span class=\"fs0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd5 w61f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">Prepay<span class=\"_ _0\"></span>ments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8ff y3fe6 w625 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7e0 y3fe6 w626 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w622 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts<span class=\"_ _35a\"> </span></div></td><td class=\"c n x900 y3fe8 w627 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x901 y3fe8 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x902 y3f5f w629 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x903 y3f5f w62a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs4e8\">25<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Property, plant and equipment<span class=\"_ _35a\"> </span></div><div class=\"gs4b5\"><table class=\"s w62b h107\" id=\"_d9836c25-73cf-4fe6-a965-ae79ddc84625\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x904 h21 y4089 ff1 fs5 fc5 sc0 ls0 ws0\">Right of use assets<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x27c h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Freehold land </td><td class=\"t m1 x905 h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Development </td><td class=\"t m1 x906 h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Leasehold </td><td class=\"t m1 x907 h21 y408a ff1 fs5 fc5 sc0 ls0 ws0\">Equipment and </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2df h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">and buildings<span class=\"_ _35a\"> </span></td><td class=\"t m1 x908 h21 y408b ff1 fs5 fc5 sc0 ls13b ws13e\">Asset<span class=\"_ _35a\"> </span></td><td class=\"t m1 x909 h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">improv<span class=\"_ _0\"></span>ements<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90a h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">fixtures<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90b h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">Property leases<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90c h21 y408b ff1 fs5 fc5 sc0 ls0 ws0\">Other leases<span class=\"_ _35a\"> </span></td><td class=\"t m1 x243 h21 y408b ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x90d h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90e h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90f h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e5 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x245 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x246 h21 y408c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y408d ff1 fs6 fc4 sc0 ls104 ws59\">Cost<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y408e wbd hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x911 y408e w433 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">20.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x912 y408e w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x913 y408e w62c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x914 y408e w62d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls130 ws136\">16.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x915 y408e w62e hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls67 ws63\">13.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x916 y408e w102 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x917 y408e w62f hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse7 wse2\">5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y408f w630 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions</div><div class=\"t m1 x72a h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x918 y4090 w631 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x919 y4090 w632 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91a y4090 w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91b y4090 w633 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91c y4090 w634 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91d y4090 w635 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x91e y4090 w636 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4091 w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y4091 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x921 y4091 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x922 y4091 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x923 y4091 w638 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">(3.3<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x924 y4091 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x925 y4091 w639 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x926 y4091 w51b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">(3<span class=\"_ _1\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4092 w63a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Foreign<span class=\"_ _0\"></span> exchange<span class=\"_ _0\"></span> difference<span class=\"_ _35a\"> </span></div></td><td class=\"c n x927 y4092 w150 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x928 y4092 w1c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x929 y4092 w63b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92a y4092 w63c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92b y4092 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92c y4092 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92d y4092 w63c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4093 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92e y4093 w63d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">20.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92f y4093 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x930 y4093 w62c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x931 y4093 w63e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">18.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x932 y4093 w63f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x933 y4093 w633 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x934 y4093 w640 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">63.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4095 w641 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">Additions</div><div class=\"t m1 x935 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y4096 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x936 y4096 w642 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x937 y4096 w643 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x938 y4096 w644 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x939 y4096 w645 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93a y4096 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93b y4096 w646 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4097 w647 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">T<span class=\"_ _0\"></span>ransfer during t<span class=\"_ _3\"></span>he year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93c y4097 wa5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93d y4097 w648 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93e y4097 w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x93f y4097 w64a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x940 y4097 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x941 y4097 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x942 y4097 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4098 w64c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x944 y4099 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x945 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x946 y4099 w64d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x947 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x948 y4099 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x949 y4099 w106 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">(2<span class=\"_ _1\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409a w10b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94a y409a w14f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94b y409a w64e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94c y409a w91 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94d y409a w64f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94e y409a w64f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">16.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x94f y409a w650 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x950 y409a w651 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y409b ff1 fs6 fc4 sc0 ls9e ws9b\">Accumulated depre<span class=\"_ _3\"></span>ciation<span class=\"_ _275\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _e4\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409c wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x951 y409c w652 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x952 y409c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x953 y409c w635 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x954 y409c w653 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x955 y409c w653 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x956 y409c w654 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x957 y409c w655 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409d w656 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Charged in y<span class=\"_ _3\"></span>ear<span class=\"_ _35a\"> </span></div></td><td class=\"c n x958 y409d w631 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x959 y409d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95a y409d w631 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95b y409d w657 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95c y409d w24 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95d y409d w658 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95e y409d w659 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">6.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y409f w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y40a0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x921 y40a0 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x922 y40a0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x923 y40a0 w638 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">(3.3<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x924 y40a0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x925 y40a0 w639 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">(0<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x926 y40a0 w51b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">(3<span class=\"_ _1\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a1 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x95f y40a1 w634 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x960 y40a1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x961 y40a1 w65a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x962 y40a1 w65b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x963 y40a1 w4dc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">6.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x964 y40a1 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x965 y40a1 w649 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a2 w65d hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls104 ws59\">Charged in year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x966 y40a2 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x967 y40a2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x968 y40a2 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x969 y40a2 w649 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96a y40a2 w65f hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96b y40a2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96c y40a2 w89 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40a4 w64c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y40a3 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x920 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x944 y40a5 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x945 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x946 y40a5 w64d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x947 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x948 y40a5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x949 y40a5 w106 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(2<span class=\"_ _1\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a6 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96d y40a6 w660 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96e y40a6 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x96f y40a6 w661 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x970 y40a6 w662 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x971 y40a6 w663 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x972 y40a6 w664 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x973 y40a6 w665 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls119 ws1a\">23.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y40a7 ff1 fs6 fc4 sc0 ls0 ws0\">Net b<span class=\"_ _3\"></span>ook value<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40a8 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x974 y40a8 w666 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">21.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x975 y40a8 w64e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x976 y40a8 w667 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x977 y40a8 w668 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">1<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x978 y40a8 w669 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x979 y40a8 w66a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97a y40a8 w66b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">54.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97b y3d5a w66c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97c y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97d y3d5a w65a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97e y3d5a w66d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x97f y3d5a w66e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x980 y3d5a w66f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x981 y3d5a w68 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">43.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4e9\">1. <span class=\"_ _14\"> </span>A<span class=\"_ _3\"></span>ddit<span class=\"_ _3\"></span>ions in<span class=\"_ _3\"></span>clu<span class=\"_ _3\"></span>de pro<span class=\"_ _3\"></span>per<span class=\"_ _3\"></span>ty le<span class=\"_ _3\"></span>ase m<span class=\"_ _3\"></span>odifi<span class=\"_ _3\"></span>cat<span class=\"_ _3\"></span>ions of \u00a3<span class=\"_ _3\"></span>0.5m (20<span class=\"_ _3\"></span>23: \u00a30.5<span class=\"_ _3\"></span>m) of right of us<span class=\"_ _3\"></span>e ass<span class=\"_ _3\"></span>ets<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4ea\">2. <span class=\"_ _12\"> </span>Duri<span class=\"_ _3\"></span>ng the y<span class=\"_ _3\"></span>ear th<span class=\"_ _3\"></span>e Group d<span class=\"_ _3\"></span>ere<span class=\"_ _3\"></span>cog<span class=\"_ _3\"></span>nise<span class=\"_ _3\"></span>d full<span class=\"_ _3\"></span>y dep<span class=\"_ _3\"></span>reci<span class=\"_ _3\"></span>ated a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws181 gs4ec\">26<span class=\"_ _0\"></span>. Intangible <span class=\"_ _3\"></span>assets<span class=\"_ _35a\"> </span></div><div class=\"gs4b5\"><table class=\"s w670 h108\" id=\"_3136c38c-8607-416b-904f-e741a77c164e\"><tr><td></td><td></td><td class=\"t m1 x84a h21 y40a9 ff1 fs5 fc5 sc0 ls0 ws0\">Computer </td><td class=\"t m1 x982 h21 y40a9 ff1 fs5 fc5 sc0 ls13b ws13e\">Assets </td><td></td></tr><tr><td></td><td class=\"t m1 x6f3 h21 y40aa ff1 fs5 fc5 sc0 ls0 ws0\">Development </td><td class=\"t m1 x857 h21 y40aa ff1 fs5 fc5 sc0 ls0 ws0\">software and<span class=\"_ _35a\"> </span></td><td class=\"t m1 x983 h21 y40aa ff1 fs5 fc5 sc0 ls0 ws0\">arising on </td><td></td></tr><tr><td></td><td class=\"c x8ec y40ac w671 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls127 ws12d\">costs</div><div class=\"t m1 x984 h39 y40ab ff1 fs1e fc5 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2e8 h21 y40ad ff1 fs5 fc5 sc0 ls0 ws0\">licences<span class=\"_ _35a\"> </span></td><td class=\"t m1 x985 h21 y40ad ff1 fs5 fc5 sc0 ls0 ws0\">Combination<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40ad ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x862 h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y40af ff1 fs6 fc4 sc0 ls104 ws59\">Cost<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y40b0 ff1 fs6 fc4 sc0 ls0 ws0\">As at 1 Janu<span class=\"_ _3\"></span>ary 2023<span class=\"_ _35a\"> </span></td><td class=\"c n x986 y40b1 w672 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x987 y40b1 w673 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x988 y40b1 w674 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x989 y40b1 w675 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls4 wsc8\">3<span class=\"_ _1\"></span>9.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b2 w676 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98a y40b3 w677 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98b y40b3 w678 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98c y40b3 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98d y40b3 w679 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b4 w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransfer during th<span class=\"_ _3\"></span>e year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98e y40b5 wc1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(2.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98f y40b5 w633 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x990 y40b5 w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x991 y40b5 w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3ef9 w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x992 y40b6 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x993 y40b6 w67b hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x994 y40b6 w67c hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x995 y40b6 w67d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b7 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x996 y40b8 w501 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x997 y40b8 w67e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls6f ws6b\">13.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x998 y40b8 w67f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x999 y40b8 w680 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">55.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b9 w681 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99a y40b9 w682 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99b y40b9 w683 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99c y40b9 wf4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99d y40b9 w684 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4095 w685 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">T<span class=\"_ _0\"></span>ransfer during t<span class=\"_ _3\"></span>he year</div><div class=\"t m1 x943 h52 y40ba ff1 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99e y40bb w686 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(32<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99f y40bb w687 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc7 wsc4\">32<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a0 y40bb wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a1 y40bb wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40bc w64c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a2 y40bd wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a3 y40bd w5a8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls48 ws48\">(1.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a4 y40bd w688 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls2a wsc\">(2<span class=\"_ _3\"></span>1.<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a5 y40bd w689 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4098 w10b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a6 y4098 w68a hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a7 y4098 w68b hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">44.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a8 y4098 wf5 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a9 y4098 w68c hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">60.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y40be ff1 fs6 fc4 sc0 ls9e ws9b\">Accumulated amortisation<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y40bf ff1 fs6 fc4 sc0 ls0 ws0\">As at 1 Janu<span class=\"_ _3\"></span>ary 2023<span class=\"_ _35a\"> </span></td><td class=\"c n x9aa y40c0 w68d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ab y40c0 w68e hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ac y40c0 w68f hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ad y40c0 w690 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40c1 w656 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Charged in y<span class=\"_ _3\"></span>ear<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ae y40c2 w678 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9af y40c2 w691 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b0 y40c2 w692 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b1 y40c2 w693 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">5.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y409d w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a2 y40c3 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b2 y40c3 w67b hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b3 y40c3 w67c hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b4 y40c3 w67d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b5 y40c4 w694 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b6 y40c4 w695 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b7 y40c4 w679 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b8 y40c4 w696 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40c5 w647 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">T<span class=\"_ _0\"></span>ransfer during t<span class=\"_ _3\"></span>he year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b9 y40c5 w697 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ba y40c5 w10a hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bb y40c5 w5a8 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls48 ws48\">(1<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bc y40c5 wf4 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40c6 w65d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls104 ws59\">Charged in year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bd y40c6 wf4 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9be y40c6 w698 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf7 wsf5\">2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bf y40c6 w699 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c0 y40c6 w69a hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsd3 ws2\">5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40a4 w64c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y40c7 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a2 y40c8 wf5 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a3 y40c8 w5a8 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls48 ws48\">(1.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a4 y40c8 w688 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(2<span class=\"_ _3\"></span>1.<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a5 y40c8 w689 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a6 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c1 y40a6 wf5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c2 y40a6 w69b hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c3 y40a6 wf5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c4 y40a6 w69c hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y40c9 ff1 fs6 fc4 sc0 ls0 ws0\">Net b<span class=\"_ _3\"></span>ook value<span class=\"_ _185\"> </span><span class=\"ff2 fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40a8 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a6 y40a8 w68a hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c5 y40a8 w69d hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c6 y40a8 wf5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c7 y40a8 w69e hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsc8 ws29\">48.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c8 y3f5f w69f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">18.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c9 y3f5f w6a0 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ca y3f5f w6a1 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cb y3f5f w690 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">26<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4ed\">1. <span class=\"_ _14\"> </span>D<span class=\"_ _3\"></span>eve<span class=\"_ _3\"></span>lopm<span class=\"_ _3\"></span>ent c<span class=\"_ _3\"></span>ost<span class=\"_ _3\"></span>s are larg<span class=\"_ _3\"></span>ely re<span class=\"_ _3\"></span>late<span class=\"_ _3\"></span>d to the t<span class=\"_ _3\"></span>ransf<span class=\"_ _3\"></span>orma<span class=\"_ _3\"></span>tion p<span class=\"_ _3\"></span>roje<span class=\"_ _3\"></span>ct.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs4ee\">2.  <span class=\"_ _33\"> </span>Duri<span class=\"_ _3\"></span>ng the y<span class=\"_ _3\"></span>ear th<span class=\"_ _3\"></span>e Group d<span class=\"_ _3\"></span>ere<span class=\"_ _3\"></span>cog<span class=\"_ _3\"></span>nise<span class=\"_ _3\"></span>d full<span class=\"_ _3\"></span>y amor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>ed as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls80 ws0 gs4ef\">3.<span class=\"_ _3\"></span> <span class=\"_ _12\"> </span> <span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>rans<span class=\"_ _3\"></span>fer du<span class=\"_ _3\"></span>ring th<span class=\"_ _3\"></span>e yea<span class=\"_ _3\"></span>r incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s the ca<span class=\"_ _3\"></span>pital ex<span class=\"_ _3\"></span>pen<span class=\"_ _3\"></span>diture r<span class=\"_ _3\"></span>elat<span class=\"_ _3\"></span>ing to th<span class=\"_ _3\"></span>e Sav<span class=\"_ _3\"></span>ings p<span class=\"_ _3\"></span>rodu<span class=\"_ _3\"></span>ct th<span class=\"_ _3\"></span>at was l<span class=\"_ _3\"></span>aunch<span class=\"_ _3\"></span>ed in O<span class=\"_ _3\"></span>ctob<span class=\"_ _3\"></span>er 20<span class=\"_ _3\"></span>24.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4f0\">The Director<span class=\"_ _0\"></span>s have considered the carrying v<span class=\"_ _0\"></span>alue of intangible assets and det<span class=\"_ _0\"></span>ermined that </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4f1\">there are no indications o<span class=\"_ _0\"></span>f impairment at the year end. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-492": {
   "value": "26<span class=\"_ _0\"></span>. Intangible <span class=\"_ _3\"></span>assets<span class=\"_ _35a\"> </span><table class=\"s w670 h108\" id=\"_3136c38c-8607-416b-904f-e741a77c164e\"><tr><td></td><td></td><td class=\"t m1 x84a h21 y40a9 ff1 fs5 fc5 sc0 ls0 ws0\">Computer </td><td class=\"t m1 x982 h21 y40a9 ff1 fs5 fc5 sc0 ls13b ws13e\">Assets </td><td></td></tr><tr><td></td><td class=\"t m1 x6f3 h21 y40aa ff1 fs5 fc5 sc0 ls0 ws0\">Development </td><td class=\"t m1 x857 h21 y40aa ff1 fs5 fc5 sc0 ls0 ws0\">software and<span class=\"_ _35a\"> </span></td><td class=\"t m1 x983 h21 y40aa ff1 fs5 fc5 sc0 ls0 ws0\">arising on </td><td></td></tr><tr><td></td><td class=\"c x8ec y40ac w671 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls127 ws12d\">costs</div><div class=\"t m1 x984 h39 y40ab ff1 fs1e fc5 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2e8 h21 y40ad ff1 fs5 fc5 sc0 ls0 ws0\">licences<span class=\"_ _35a\"> </span></td><td class=\"t m1 x985 h21 y40ad ff1 fs5 fc5 sc0 ls0 ws0\">Combination<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40ad ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x862 h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40ae ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y40af ff1 fs6 fc4 sc0 ls104 ws59\">Cost<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y40b0 ff1 fs6 fc4 sc0 ls0 ws0\">As at 1 Janu<span class=\"_ _3\"></span>ary 2023<span class=\"_ _35a\"> </span></td><td class=\"c n x986 y40b1 w672 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd1 wscf\">3.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x987 y40b1 w673 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x988 y40b1 w674 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x989 y40b1 w675 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls4 wsc8\">3<span class=\"_ _1\"></span>9.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b2 w676 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98a y40b3 w677 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98b y40b3 w678 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98c y40b3 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98d y40b3 w679 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b4 w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransfer during th<span class=\"_ _3\"></span>e year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98e y40b5 wc1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(2.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x98f y40b5 w633 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x990 y40b5 w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x991 y40b5 w488 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3ef9 w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x992 y40b6 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x993 y40b6 w67b hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x994 y40b6 w67c hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x995 y40b6 w67d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b7 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x996 y40b8 w501 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x997 y40b8 w67e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls6f ws6b\">13.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x998 y40b8 w67f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x999 y40b8 w680 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">55.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40b9 w681 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99a y40b9 w682 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99b y40b9 w683 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99c y40b9 wf4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99d y40b9 w684 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4095 w685 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">T<span class=\"_ _0\"></span>ransfer during t<span class=\"_ _3\"></span>he year</div><div class=\"t m1 x943 h52 y40ba ff1 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99e y40bb w686 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc5 wsc3\">(32<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99f y40bb w687 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc7 wsc4\">32<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a0 y40bb wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a1 y40bb wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40bc w64c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a2 y40bd wf5 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a3 y40bd w5a8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls48 ws48\">(1.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a4 y40bd w688 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls2a wsc\">(2<span class=\"_ _3\"></span>1.<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a5 y40bd w689 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4098 w10b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a6 y4098 w68a hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a7 y4098 w68b hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">44.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a8 y4098 wf5 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a9 y4098 w68c hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">60.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y40be ff1 fs6 fc4 sc0 ls9e ws9b\">Accumulated amortisation<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y40bf ff1 fs6 fc4 sc0 ls0 ws0\">As at 1 Janu<span class=\"_ _3\"></span>ary 2023<span class=\"_ _35a\"> </span></td><td class=\"c n x9aa y40c0 w68d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ab y40c0 w68e hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ac y40c0 w68f hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ad y40c0 w690 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40c1 w656 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Charged in y<span class=\"_ _3\"></span>ear<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ae y40c2 w678 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9af y40c2 w691 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b0 y40c2 w692 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b1 y40c2 w693 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">5.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y409d w637 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-offs</div><div class=\"t m1 x91f h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a2 y40c3 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b2 y40c3 w67b hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b3 y40c3 w67c hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b4 y40c3 w67d hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b5 y40c4 w694 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b6 y40c4 w695 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b7 y40c4 w679 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b8 y40c4 w696 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40c5 w647 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">T<span class=\"_ _0\"></span>ransfer during t<span class=\"_ _3\"></span>he year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9b9 y40c5 w697 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ba y40c5 w10a hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bb y40c5 w5a8 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls48 ws48\">(1<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bc y40c5 wf4 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40c6 w65d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls104 ws59\">Charged in year<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bd y40c6 wf4 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9be y40c6 w698 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf7 wsf5\">2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9bf y40c6 w699 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c0 y40c6 w69a hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsd3 ws2\">5.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40a4 w64c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">Disp<span class=\"_ _3\"></span>osals and w<span class=\"_ _3\"></span>rite-<span class=\"_ _3\"></span>offs</div><div class=\"t m1 x943 h52 y40c7 ff1 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a2 y40c8 wf5 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a3 y40c8 w5a8 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls48 ws48\">(1.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a4 y40c8 w688 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(2<span class=\"_ _3\"></span>1.<span class=\"_ _3\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a5 y40c8 w689 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40a6 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c1 y40a6 wf5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c2 y40a6 w69b hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c3 y40a6 wf5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c4 y40a6 w69c hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y40c9 ff1 fs6 fc4 sc0 ls0 ws0\">Net b<span class=\"_ _3\"></span>ook value<span class=\"_ _185\"> </span><span class=\"ff2 fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40a8 w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a6 y40a8 w68a hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c5 y40a8 w69d hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c6 y40a8 wf5 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c7 y40a8 w69e hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsc8 ws29\">48.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c8 y3f5f w69f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">18.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9c9 y3f5f w6a0 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ca y3f5f w6a1 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cb y3f5f w690 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">26<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>D<span class=\"_ _3\"></span>eve<span class=\"_ _3\"></span>lopm<span class=\"_ _3\"></span>ent c<span class=\"_ _3\"></span>ost<span class=\"_ _3\"></span>s are larg<span class=\"_ _3\"></span>ely re<span class=\"_ _3\"></span>late<span class=\"_ _3\"></span>d to the t<span class=\"_ _3\"></span>ransf<span class=\"_ _3\"></span>orma<span class=\"_ _3\"></span>tion p<span class=\"_ _3\"></span>roje<span class=\"_ _3\"></span>ct.<span class=\"_ _35a\"> </span>2.  <span class=\"_ _33\"> </span>Duri<span class=\"_ _3\"></span>ng the y<span class=\"_ _3\"></span>ear th<span class=\"_ _3\"></span>e Group d<span class=\"_ _3\"></span>ere<span class=\"_ _3\"></span>cog<span class=\"_ _3\"></span>nise<span class=\"_ _3\"></span>d full<span class=\"_ _3\"></span>y amor<span class=\"_ _3\"></span>tis<span class=\"_ _3\"></span>ed as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s.<span class=\"_ _35a\"> </span>3.<span class=\"_ _3\"></span> <span class=\"_ _12\"> </span> <span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>rans<span class=\"_ _3\"></span>fer du<span class=\"_ _3\"></span>ring th<span class=\"_ _3\"></span>e yea<span class=\"_ _3\"></span>r incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s the ca<span class=\"_ _3\"></span>pital ex<span class=\"_ _3\"></span>pen<span class=\"_ _3\"></span>diture r<span class=\"_ _3\"></span>elat<span class=\"_ _3\"></span>ing to th<span class=\"_ _3\"></span>e Sav<span class=\"_ _3\"></span>ings p<span class=\"_ _3\"></span>rodu<span class=\"_ _3\"></span>ct th<span class=\"_ _3\"></span>at was l<span class=\"_ _3\"></span>aunch<span class=\"_ _3\"></span>ed in O<span class=\"_ _3\"></span>ctob<span class=\"_ _3\"></span>er 20<span class=\"_ _3\"></span>24.<span class=\"_ _35a\"> </span>The Director<span class=\"_ _0\"></span>s have considered the carrying v<span class=\"_ _0\"></span>alue of intangible assets and det<span class=\"_ _0\"></span>ermined that there are no indications o<span class=\"_ _0\"></span>f impairment at the year end. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs4f3\">27<span class=\"_ _5\"></span>. <span class=\"_ _1\"></span>Amounts ow<span class=\"_ _0\"></span>ed to credit institutions<span class=\"_ _35a\"> </span></div><div class=\"gs4e6\"><table class=\"s w441 h109\" id=\"_28be40aa-be96-4cc8-9799-391ebab49147\"><tr><td></td><td class=\"t m1 x2c8 h21 y40ca ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40ca ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w6a2 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse6 wse1\">BoE TF<span class=\"_ _0\"></span>SME<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cc y3d50 w6a3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,394.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cd y3d4f w6a4 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>35<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w127 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls15e ws16d\">B<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>E<span class=\"_ _3\"></span> I<span class=\"_ _1\"></span>LT<span class=\"_ _3\"></span>R<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ce y3d52 w6a5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">380.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cf y3d51 w6a6 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w6a7 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Comm<span class=\"_ _3\"></span>ercial repo<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d0 y3d54 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d1 y3d53 w35 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9d2 y3dce w6a8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,7<span class=\"_ _3\"></span>75.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d3 y3d55 w6a9 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>,362<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6aa hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash c<span class=\"_ _3\"></span>ollateral and m<span class=\"_ _3\"></span>argin recei<span class=\"_ _3\"></span>ved<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d4 y3d57 w6ab hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">160.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d5 y3d58 w6ac hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>12.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9d2 y3d59 w6ad hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x2da y3d5a w73 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-493": {
   "value": "27<span class=\"_ _5\"></span>. <span class=\"_ _1\"></span>Amounts ow<span class=\"_ _0\"></span>ed to credit institutions<span class=\"_ _35a\"> </span><table class=\"s w441 h109\" id=\"_28be40aa-be96-4cc8-9799-391ebab49147\"><tr><td></td><td class=\"t m1 x2c8 h21 y40ca ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40ca ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40cb ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w6a2 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse6 wse1\">BoE TF<span class=\"_ _0\"></span>SME<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cc y3d50 w6a3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,394.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cd y3d4f w6a4 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>35<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w127 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls15e ws16d\">B<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>E<span class=\"_ _3\"></span> I<span class=\"_ _1\"></span>LT<span class=\"_ _3\"></span>R<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ce y3d52 w6a5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">380.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9cf y3d51 w6a6 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w6a7 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Comm<span class=\"_ _3\"></span>ercial repo<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d0 y3d54 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d1 y3d53 w35 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsea wse5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9d2 y3dce w6a8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,7<span class=\"_ _3\"></span>75.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d3 y3d55 w6a9 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>,362<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6aa hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash c<span class=\"_ _3\"></span>ollateral and m<span class=\"_ _3\"></span>argin recei<span class=\"_ _3\"></span>ved<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d4 y3d57 w6ab hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">160.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d5 y3d58 w6ac hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>12.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9d2 y3d59 w6ad hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x2da y3d5a w73 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,57<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs4f5\">28. <span class=\"_ _2\"></span>Amounts o<span class=\"_ _0\"></span>wed to retail depositors<span class=\"_ _35a\"> </span></div><div class=\"gs4e6\"><table class=\"s w6ae h10a\" id=\"_080d6c57-e56d-45f8-87f4-a751f715ba49\"><tr><td></td><td></td><td class=\"c n x698 y40cc w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x699 y40cc w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y40cd ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69b h21 y40cd ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x401 h21 y40cd ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69c h21 y40cd ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69d h21 y40cd ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40cd ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x69e h21 y40ce ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y40ce ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y40ce ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y40ce ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y40ce ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40ce ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4039 w6af hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Fixed rate dep<span class=\"_ _3\"></span>osits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d6 y40cf w6b0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,01<span class=\"_ _0\"></span>6.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d7 y40cf w6b1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">6,34<span class=\"_ _3\"></span>0.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d8 y40cf w6b2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">15,356.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9d9 y40cf w6b3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">8,8<span class=\"_ _3\"></span>46.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9da y40cf w6b4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsda wsd6\">7,<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9db y40cf w6b5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">16,340.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y40d0 ff2 fs6 fc4 sc0 ls0 ws0\">Variable rate </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y40d1 ff2 fs6 fc4 sc0 ls121 wsb9\">deposits<span class=\"_ _35a\"> </span></td><td class=\"c n x9dc y40d2 w6b6 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc3 wsc1\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9dd y40d2 w6b7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls6f ws6b\">3,954.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9de y40d2 w6b8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls5b ws108\">8<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>64<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9df y40d2 w5fb hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls4 wsc8\">3<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e0 y40d2 w6b9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,<span class=\"_ _3\"></span>38<span class=\"_ _3\"></span>6.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e1 y40d2 w6ba hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscc wscb\">5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>78<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9e2 y3f5f w6bb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">13,525.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e3 y3f5f w6bc hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">10,294.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e4 y3f5f w6bd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e5 y3f5f w6be hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">12<span class=\"_ _3\"></span>,24<span class=\"_ _3\"></span>6.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e6 y3f5f w6bf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e7 y3f5f w6c0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs4f6\">29<span class=\"_ _2\"></span>. <span class=\"_ _3\"></span>Amounts o<span class=\"_ _0\"></span>wed to other customer<span class=\"_ _0\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"gs4f7\"><table class=\"s w6c1 hfa\" id=\"_23bcf2b2-c678-4c13-b61c-e9b683b052c3\"><tr><td></td><td class=\"t m1 x2c8 h21 y40d3 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40d3 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40d4 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40d4 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fd5 w6af hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Fixed rate dep<span class=\"_ _3\"></span>osits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e8 y3fe6 w6c2 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">102.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9e9 y3fd5 w6c3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls61 ws5d\">58.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6c4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Variable rate depo<span class=\"_ _3\"></span>sits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ea y3fb5 w4a9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lseb ws27\">2.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9eb y3d58 w6c5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9ec y3f5f w6c6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ed y3d5a w7e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">63.3</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-494": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs4f9\">30. <span class=\"_ _2\"></span>Debt securities in issue </div><div class=\"gs4b5\"><table class=\"s w6c7 h10b\" id=\"_25abaa25-19e7-4b2f-9e78-36836d3840db\"><tr><td></td><td class=\"t m1 x3cd h21 y40d5 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40d5 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y40d6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40d6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y40d7 w6c8 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Ass<span class=\"_ _3\"></span>et<span class=\"_ _0\"></span>-backed loan note<span class=\"_ _3\"></span>s at amor<span class=\"_ _3\"></span>tised c<span class=\"_ _3\"></span>ost<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ee y40d8 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ef y40d7 w6ca hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w6cb hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Amount due fo<span class=\"_ _3\"></span>r settl<span class=\"_ _3\"></span>ement within 12 months<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f0 y40d9 w660 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f1 y3fd5 w6cc hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6cd hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Amount due fo<span class=\"_ _3\"></span>r settl<span class=\"_ _3\"></span>ement af<span class=\"_ _3\"></span>ter 12 months<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f2 y3dcf w6ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f3 y3d58 w6cf hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsec wse6\">7<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9f4 y3dd0 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f5 y3d5a w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4fa\">The asset-back<span class=\"_ _0\"></span>ed loan notes are secur<span class=\"_ _0\"></span>ed on fixed and variable r<span class=\"_ _0\"></span>ate mortgages and are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4fb\">redeemable in part from time to time<span class=\"_ _0\"></span>, but such redemptions are mainly fr<span class=\"_ _0\"></span>om the net principal </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4fc\">receive<span class=\"_ _0\"></span>d from borrow<span class=\"_ _0\"></span>ers in r<span class=\"_ _0\"></span>espect of underlying mortgage assets. The maturity date o<span class=\"_ _0\"></span>f the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4fd\">funds matches the contr<span class=\"_ _0\"></span>actual maturity date of the underlying mortgage assets<span class=\"_ _0\"></span>. The Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4fe\">expects that a lar<span class=\"_ _0\"></span>ge proportion of the underlying mortgage assets, and ther<span class=\"_ _0\"></span>efore these notes<span class=\"_ _0\"></span>, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4ff\">will be repaid within fiv<span class=\"_ _0\"></span>e years.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs500\">Where the Group o<span class=\"_ _0\"></span>wns the call rights f<span class=\"_ _0\"></span>or a transaction, it may repurchase the asse<span class=\"_ _0\"></span>t-backe<span class=\"_ _0\"></span>d </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs501\">loan notes on any int<span class=\"_ _0\"></span>erest paymen<span class=\"_ _0\"></span>t date on or after the call dates, or on any in<span class=\"_ _0\"></span>terest paymen<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs502\">date when the curren<span class=\"_ _0\"></span>t balance of the mortgages outstanding is less than or equal t<span class=\"_ _0\"></span>o 10% of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs503\">the principal amount outs<span class=\"_ _0\"></span>tanding on the loan notes on the date they w<span class=\"_ _0\"></span>ere issued.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs504\">Inter<span class=\"_ _0\"></span>est is payable at fixed mar<span class=\"_ _0\"></span>gins abov<span class=\"_ _0\"></span>e SONIA.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs505\">The asset-back<span class=\"_ _0\"></span>ed loan notes w<span class=\"_ _0\"></span>ere issued through the follo<span class=\"_ _0\"></span>wing funding vehicles:<span class=\"_ _35a\"> </span></div><div class=\"gs506\"><table class=\"s w6c7 h10c\" id=\"_d4f984d1-6293-449d-9c0c-be13e88ef353\"><tr><td></td><td class=\"t m1 x3cd h21 y40da ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40da ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y40db ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40db ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4d w6d0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">PMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f6 y3fb0 w6d1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">441.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f7 y3d4d w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w6d2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f8 y3fb1 w6d3 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>3.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f9 y3d4f w6d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40dc w6d5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fa y40dd w6d6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">19<span class=\"_ _3\"></span>3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b6 y40dc w6d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>91.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w6d8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance No.<span class=\"_ _0\"></span>4 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fb y3fb3 w6d9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">100.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fc y3d53 w6da hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6db hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Keys Warehouse No.1 L<span class=\"_ _0\"></span>imite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fd y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fe y3d55 w6dc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>50.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6dd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ff y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa00 y3d58 w6cc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9f4 y3f5f w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f5 y3d5a w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-542": {
   "value": "30. <span class=\"_ _2\"></span>Debt securities in issue <table class=\"s w6c7 h10b\" id=\"_25abaa25-19e7-4b2f-9e78-36836d3840db\"><tr><td></td><td class=\"t m1 x3cd h21 y40d5 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40d5 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y40d6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40d6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y40d7 w6c8 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Ass<span class=\"_ _3\"></span>et<span class=\"_ _0\"></span>-backed loan note<span class=\"_ _3\"></span>s at amor<span class=\"_ _3\"></span>tised c<span class=\"_ _3\"></span>ost<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ee y40d8 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ef y40d7 w6ca hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w6cb hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Amount due fo<span class=\"_ _3\"></span>r settl<span class=\"_ _3\"></span>ement within 12 months<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f0 y40d9 w660 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f1 y3fd5 w6cc hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6cd hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Amount due fo<span class=\"_ _3\"></span>r settl<span class=\"_ _3\"></span>ement af<span class=\"_ _3\"></span>ter 12 months<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f2 y3dcf w6ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f3 y3d58 w6cf hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsec wse6\">7<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9f4 y3dd0 w6c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f5 y3d5a w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr></table>The asset-back<span class=\"_ _0\"></span>ed loan notes are secur<span class=\"_ _0\"></span>ed on fixed and variable r<span class=\"_ _0\"></span>ate mortgages and are redeemable in part from time to time<span class=\"_ _0\"></span>, but such redemptions are mainly fr<span class=\"_ _0\"></span>om the net principal receive<span class=\"_ _0\"></span>d from borrow<span class=\"_ _0\"></span>ers in r<span class=\"_ _0\"></span>espect of underlying mortgage assets. The maturity date o<span class=\"_ _0\"></span>f the funds matches the contr<span class=\"_ _0\"></span>actual maturity date of the underlying mortgage assets<span class=\"_ _0\"></span>. The Group expects that a lar<span class=\"_ _0\"></span>ge proportion of the underlying mortgage assets, and ther<span class=\"_ _0\"></span>efore these notes<span class=\"_ _0\"></span>, will be repaid within fiv<span class=\"_ _0\"></span>e years.<span class=\"_ _35a\"> </span>Where the Group o<span class=\"_ _0\"></span>wns the call rights f<span class=\"_ _0\"></span>or a transaction, it may repurchase the asse<span class=\"_ _0\"></span>t-backe<span class=\"_ _0\"></span>d loan notes on any int<span class=\"_ _0\"></span>erest paymen<span class=\"_ _0\"></span>t date on or after the call dates, or on any in<span class=\"_ _0\"></span>terest paymen<span class=\"_ _0\"></span>t date when the curren<span class=\"_ _0\"></span>t balance of the mortgages outstanding is less than or equal t<span class=\"_ _0\"></span>o 10% of the principal amount outs<span class=\"_ _0\"></span>tanding on the loan notes on the date they w<span class=\"_ _0\"></span>ere issued.<span class=\"_ _35a\"> </span>Inter<span class=\"_ _0\"></span>est is payable at fixed mar<span class=\"_ _0\"></span>gins abov<span class=\"_ _0\"></span>e SONIA.<span class=\"_ _35a\"> </span>The asset-back<span class=\"_ _0\"></span>ed loan notes w<span class=\"_ _0\"></span>ere issued through the follo<span class=\"_ _0\"></span>wing funding vehicles:<span class=\"_ _35a\"> </span><table class=\"s w6c7 h10c\" id=\"_d4f984d1-6293-449d-9c0c-be13e88ef353\"><tr><td></td><td class=\"t m1 x3cd h21 y40da ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40da ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y40db ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40db ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4d w6d0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">PMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f6 y3fb0 w6d1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">441.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f7 y3d4d w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w6d2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f8 y3fb1 w6d3 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>3.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f9 y3d4f w6d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40dc w6d5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fa y40dd w6d6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">19<span class=\"_ _3\"></span>3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x8b6 y40dc w6d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>91.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w6d8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance No.<span class=\"_ _0\"></span>4 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fb y3fb3 w6d9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">100.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fc y3d53 w6da hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6db hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Keys Warehouse No.1 L<span class=\"_ _0\"></span>imite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fd y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fe y3d55 w6dc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">2<span class=\"_ _3\"></span>50.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6dd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9ff y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa00 y3d58 w6cc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x9f4 y3f5f w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9f5 y3d5a w6ca hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr></table><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws183 gs528\">34<span class=\"_ _0\"></span>. Senior <span class=\"_ _3\"></span>notes<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs529\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tanding senior notes are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"gs52a\"><table class=\"s w441 h10e\" id=\"_ff387647-13c2-4992-8b45-df2ab7fd4916\"><tr><td></td><td></td><td></td><td class=\"t m1 x2c8 h21 y40ea ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x400 h21 y40ea ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"c n xa35 y40eb w6fd hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Reset date<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa36 y40eb w6fe hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Spread<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2cb h21 y40ec ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40ec ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y40ed ff1 fs6 fc4 sc0 ls0 ws0\">Fixed rate<span class=\"_ _1e8\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d55 w6ff hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes 2028 (9<span class=\"_ _0\"></span>.5%<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa37 y3d55 w700 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">7 Septemb<span class=\"_ _3\"></span>er 2027</div></td><td class=\"c n xa38 y3d55 w701 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls2e ws2d\">4<span class=\"_ _3\"></span>.9<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9fa y3dce w702 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa39 y3d55 w703 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w704 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes 203<span class=\"_ _3\"></span>0 (8.875%)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa3a y3d58 w705 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">16 January 202<span class=\"_ _3\"></span>9</div></td><td class=\"c n xa3b y3d58 w706 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls17 ws13\">5<span class=\"_ _3\"></span>.252<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa3c y3dcf w707 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">41<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa3d y3d58 w5e3 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xa3e y3d59 w708 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa3f y3d5a w703 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs52b\">The senior notes comprise fixed r<span class=\"_ _0\"></span>ate notes denominated in pounds S<span class=\"_ _0\"></span>terling and are lis<span class=\"_ _0\"></span>ted on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs52c\">the official list of the Financial Conduct Authority (FC<span class=\"_ _0\"></span>A) and admitted to tr<span class=\"_ _0\"></span>ading on the main </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs52d\">mark<span class=\"_ _0\"></span>et of the L<span class=\"_ _0\"></span>ondon Stock Exchange plc<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs52e\">The principal terms of the senior notes ar<span class=\"_ _0\"></span>e as follows:<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs52f\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Interes<span class=\"_ _0\"></span>t:<span class=\"ff2\"> Interes<span class=\"_ _0\"></span>t on the senior notes is fixed at an initial r<span class=\"_ _0\"></span>ate until the reset date<span class=\"_ _0\"></span>. If the senior </span></span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs530\">notes are not r<span class=\"_ _0\"></span>edeemed prior to the reset date<span class=\"_ _0\"></span>, the interes<span class=\"_ _0\"></span>t rate will be r<span class=\"_ _0\"></span>eset and fixed based </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs531\">on a benchmark gilt rate plus the specifie<span class=\"_ _0\"></span>d spread.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs532\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Redemption:</span> The Issuer may redeem the senior notes in whole (but not in part) in its sole </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs533\">discretion on the reset dat<span class=\"_ _0\"></span>e. Optional redemption may also t<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>e place for cer<span class=\"_ _3\"></span>tain r<span class=\"_ _0\"></span>egulatory </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs534\">or tax reasons<span class=\"_ _0\"></span>. Any optional redemption r<span class=\"_ _0\"></span>equires the prior consent of the PRA.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs535\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Ranking: </span>The senior notes constitut<span class=\"_ _0\"></span>e direct, unsubordinate<span class=\"_ _0\"></span>d and unsecured obligations of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs536\">OSBG and r<span class=\"_ _0\"></span>ank at least <span class=\"ff52\">pari passu</span>, without any pre<span class=\"_ _0\"></span>ference, among themselv<span class=\"_ _0\"></span>es as senior </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs537\">notes<span class=\"_ _0\"></span>. The notes rank behind the claims of deposit<span class=\"_ _0\"></span>ors, but in priority t<span class=\"_ _0\"></span>o holders of Tier 1 and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs538\">Tier 2 capital ins<span class=\"_ _0\"></span>truments as w<span class=\"_ _0\"></span>ell as equity holders of O<span class=\"_ _0\"></span>SBG.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs539\">The table belo<span class=\"_ _0\"></span>w shows a reconciliation of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s senior notes during the year:<span class=\"_ _35a\"> </span></div><div class=\"gs53a\"><table class=\"s w709 h10f\" id=\"_36e4a81a-084c-4d75-a39b-0462d795bc96\"><tr><td></td><td class=\"t m1 x2c8 h21 y40ee ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40ee ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40ef ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40ef ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fd3 w5ff hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa40 y4066 w70a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa41 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40f0 w70b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Addition</div><div class=\"t m1 xa42 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa43 y3fb4 w70c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">398.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa44 y3d55 w70d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w70e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in accru<span class=\"_ _3\"></span>ed interest<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f3 y3fb5 w70f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa45 y3d58 w710 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w607 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa46 y3f5f w711 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa47 y3d5a w712 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs53b\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Add<span class=\"_ _3\"></span>ition i<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des \u00a3<span class=\"_ _3\"></span>2.0m (202<span class=\"_ _3\"></span>3: \u00a31.6<span class=\"_ _3\"></span>m) towards t<span class=\"_ _3\"></span>ransa<span class=\"_ _3\"></span>ctio<span class=\"_ _3\"></span>n cos<span class=\"_ _3\"></span>ts wh<span class=\"_ _3\"></span>ich ha<span class=\"_ _3\"></span>s be<span class=\"_ _3\"></span>en amo<span class=\"_ _3\"></span>rti<span class=\"_ _3\"></span>sed t<span class=\"_ _3\"></span>hroug<span class=\"_ _3\"></span>h the EI<span class=\"_ _3\"></span>R of the </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws7f gs53c\">lo<span class=\"_ _3\"></span>an<span class=\"_ gs378\"> </span>note<span class=\"_ _3\"></span>s.<span class=\"_ _35a\"> </span></div>35. Subor<span class=\"_ _0\"></span>dinated <span class=\"_ _1\"></span>liabilities<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tanding subordinated liabilities ar<span class=\"_ _0\"></span>e summarised below:<span class=\"_ _35a\"> </span><table class=\"s w6c7 h110\" id=\"_49f3c6da-634f-45e4-9ef9-0f1139a8f507\"><tr><td></td><td></td><td></td><td class=\"t m1 x3cd h21 y40f1 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40f1 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"c n xa48 y40f2 w713 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Reset date<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa49 y40f2 w6fe hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Spread<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x27b h21 y40f3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40f3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y40f4 ff1 fs6 fc4 sc0 ls0 ws0\">Fixed rate<span class=\"_ _b4\"> </span><span class=\"ff2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y40f5 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s 2033 </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w714 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>9.9<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>%<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4a y3d5a w715 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">27 July 2028<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4b y3d5a w716 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>6%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4c y3dd0 w711 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4d y3d5a w9b hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr></table>All subordinate<span class=\"_ _0\"></span>d liabilities are denominated in pounds s<span class=\"_ _0\"></span>terling and are list<span class=\"_ _0\"></span>ed on the official list of the FC<span class=\"_ _0\"></span>A and admitted to trading on the main mark<span class=\"_ _0\"></span>et of the L<span class=\"_ _0\"></span>ondon Stock Ex<span class=\"_ _0\"></span>change plc.<span class=\"_ _35a\"> </span>The principal terms of the subor<span class=\"_ _0\"></span>dinated debt liabilities are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Interes<span class=\"_ _0\"></span>t:<span class=\"ff2\"> Interes<span class=\"_ _0\"></span>t on the notes is fixed at an initial r<span class=\"_ _0\"></span>ate until the reset date<span class=\"_ _0\"></span>. If the notes are </span></span>not redeemed prior t<span class=\"_ _0\"></span>o the reset date, the in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate will be reset and fix<span class=\"_ _0\"></span>ed based on a benchmark gilt rate plus the specifie<span class=\"_ _0\"></span>d spread.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Redemption: </span>The Issuer may redeem the Tier 2 not<span class=\"_ _0\"></span>es in whole (but not in part) in its sole discretion on any day from (<span class=\"_ _0\"></span>and including) 27 April 2028 to (<span class=\"_ _0\"></span>and including) 27 July 2028 (the reset date<span class=\"_ _0\"></span>) as specified in the terms of the agreemen<span class=\"_ _0\"></span>t. Optional redemption may also tak<span class=\"_ _0\"></span>e place for certain regulatory or t<span class=\"_ _0\"></span>ax reasons. Any optional r<span class=\"_ _0\"></span>edemption requires the prior consent of the PRA.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _3b\"> </span><span class=\"ff6\">Ranking:</span><span class=\"ws0\"> The notes cons<span class=\"_ _0\"></span>titute direct, unsecured and subor<span class=\"_ _0\"></span>dinated obligations of OSB<span class=\"_ _0\"></span>G and<span class=\"_ _3\"></span> </span>rank at leas<span class=\"_ _0\"></span>t pari passu, without any pref<span class=\"_ _0\"></span>erence, among themselves as T<span class=\"_ _0\"></span>ier 2 capital. The notes rank behind the claims o<span class=\"_ _0\"></span>f depositors and other unsecured and unsubor<span class=\"_ _0\"></span>dinated credit<span class=\"_ _0\"></span>ors, but rank in priority to holder<span class=\"_ _0\"></span>s of Tier 1 capital ins<span class=\"_ _0\"></span>truments and o<span class=\"_ _0\"></span>f equity holders of OSB<span class=\"_ _0\"></span>G.<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w shows a reconciliation of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s subordinated liabilities during the year:<span class=\"_ _35a\"> </span><table class=\"s w6c7 h10f\" id=\"_4fb6cf51-4593-404f-bd8e-c72a768d4530\"><tr><td></td><td class=\"t m1 x3cd h21 y40f6 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40f6 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y40f7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40f7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d53 w5ff hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4e y3fb3 w717 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>59.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x743 y3d53 w6d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40f0 w718 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Addition</div><div class=\"t m1 xa4f h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa50 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa51 y3d55 w719 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">248.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w70e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in accru<span class=\"_ _3\"></span>ed interest<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa52 y3fb5 w45 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa53 y3d58 w71a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w607 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa54 y3f5f w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa55 y3d5a w9b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>2<span class=\"_ _3\"></span>023 add<span class=\"_ _3\"></span>itio<span class=\"_ _3\"></span>n incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s \u00a31.3<span class=\"_ _3\"></span>m towar<span class=\"_ _3\"></span>ds tran<span class=\"_ _3\"></span>sact<span class=\"_ _3\"></span>ion co<span class=\"_ _3\"></span>st<span class=\"_ _3\"></span>s whic<span class=\"_ _3\"></span>h has b<span class=\"_ _3\"></span>een am<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tise<span class=\"_ _3\"></span>d thro<span class=\"_ _3\"></span>ugh th<span class=\"_ _3\"></span>e EIR of th<span class=\"_ _3\"></span>e loan n<span class=\"_ _3\"></span>otes<span class=\"_ _3\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws182 gs50c\">32. Other <span class=\"_ _3\"></span>liabilities<span class=\"_ _35a\"> </span></div><div class=\"gs4e6\"><table class=\"s w441 h109\" id=\"_68b2019c-9ef9-411b-9cc3-17636a1b6f64\"><tr><td></td><td class=\"t m1 x2c8 h21 y40de ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40de ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y40e0 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _279\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w6ec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Accruals<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0d y3fd2 w6ed hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">33.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0e y3d51 w606 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">26.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w6ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsd4 ws24\">Deferred inc<span class=\"_ _3\"></span>ome<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0f y3fd4 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa10 y3fd3 w65c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6f0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Oth<span class=\"_ _3\"></span>er credito<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa11 y3d56 w6f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">12<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa12 y3d55 w6f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Share re<span class=\"_ _3\"></span>purchas<span class=\"_ _3\"></span>e liability<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa13 y3d57 w6f4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa14 y3d58 w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e3 y3d59 w8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">56<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa15 y3d5a w8d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs50d\">On 15 Augus<span class=\"_ _0\"></span>t 2024<span class=\"_ _0\"></span>, the Board authorised an or<span class=\"_ _0\"></span>dinary share repurchase pro<span class=\"_ _0\"></span>gramme of up </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs50e\">to \u00a350<span class=\"_ _0\"></span>.0m, r<span class=\"_ _0\"></span>ecognising a \u00a350.<span class=\"_ _0\"></span>3m (including incentive fee o<span class=\"_ _0\"></span>f \u00a30.<span class=\"_ _0\"></span>3m) reduction in retained </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs50f\">earnings and a share repur<span class=\"_ _0\"></span>chase liability. As at 31 December 2024<span class=\"_ _0\"></span>, 10,<span class=\"_ _0\"></span>721,<span class=\"_ _2\"></span>471 shares had </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs510\">been purchased by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s agen<span class=\"_ _0\"></span>t under the programme at a to<span class=\"_ _0\"></span>tal cost of \u00a340<span class=\"_ _0\"></span>.3m, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs511\">reducing the share r<span class=\"_ _0\"></span>epurchase liability to \u00a310<span class=\"_ _0\"></span>.0m. Other cr<span class=\"_ _0\"></span>editors include \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5m for 114<span class=\"_ _0\"></span>,09<span class=\"_ _0\"></span>8 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs512\">shares purchased by the agen<span class=\"_ _0\"></span>t prior to 31 December 2024 for which the Group has </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs513\">completed payment in January 2<span class=\"_ _0\"></span>025. Any share r<span class=\"_ _0\"></span>epurchases made under this progr<span class=\"_ _0\"></span>amme </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs514\">wer<span class=\"_ _0\"></span>e announced to the mark<span class=\"_ _0\"></span>et each day in line with regulatory r<span class=\"_ _0\"></span>equirements<span class=\"_ _0\"></span>, see note 38 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs515\">for<span class=\"_ gs2a\"> </span>further<span class=\"_ gs2a\"> </span>details.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-527": {
   "value": "32. Other <span class=\"_ _3\"></span>liabilities<span class=\"_ _35a\"> </span><table class=\"s w441 h109\" id=\"_68b2019c-9ef9-411b-9cc3-17636a1b6f64\"><tr><td></td><td class=\"t m1 x2c8 h21 y40de ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40de ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y40e0 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _279\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w6ec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Accruals<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0d y3fd2 w6ed hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">33.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0e y3d51 w606 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">26.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w6ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsd4 ws24\">Deferred inc<span class=\"_ _3\"></span>ome<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0f y3fd4 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa10 y3fd3 w65c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6f0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Oth<span class=\"_ _3\"></span>er credito<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa11 y3d56 w6f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">12<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa12 y3d55 w6f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Share re<span class=\"_ _3\"></span>purchas<span class=\"_ _3\"></span>e liability<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa13 y3d57 w6f4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa14 y3d58 w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e3 y3d59 w8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">56<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa15 y3d5a w8d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table>On 15 Augus<span class=\"_ _0\"></span>t 2024<span class=\"_ _0\"></span>, the Board authorised an or<span class=\"_ _0\"></span>dinary share repurchase pro<span class=\"_ _0\"></span>gramme of up to \u00a350<span class=\"_ _0\"></span>.0m, r<span class=\"_ _0\"></span>ecognising a \u00a350.<span class=\"_ _0\"></span>3m (including incentive fee o<span class=\"_ _0\"></span>f \u00a30.<span class=\"_ _0\"></span>3m) reduction in retained earnings and a share repur<span class=\"_ _0\"></span>chase liability. As at 31 December 2024<span class=\"_ _0\"></span>, 10,<span class=\"_ _0\"></span>721,<span class=\"_ _2\"></span>471 shares had been purchased by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s agen<span class=\"_ _0\"></span>t under the programme at a to<span class=\"_ _0\"></span>tal cost of \u00a340<span class=\"_ _0\"></span>.3m, reducing the share r<span class=\"_ _0\"></span>epurchase liability to \u00a310<span class=\"_ _0\"></span>.0m. Other cr<span class=\"_ _0\"></span>editors include \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5m for 114<span class=\"_ _0\"></span>,09<span class=\"_ _0\"></span>8 shares purchased by the agen<span class=\"_ _0\"></span>t prior to 31 December 2024 for which the Group has completed payment in January 2<span class=\"_ _0\"></span>025. Any share r<span class=\"_ _0\"></span>epurchases made under this progr<span class=\"_ _0\"></span>amme wer<span class=\"_ _0\"></span>e announced to the mark<span class=\"_ _0\"></span>et each day in line with regulatory r<span class=\"_ _0\"></span>equirements<span class=\"_ _0\"></span>, see note 38 for<span class=\"_ gs2a\"> </span>further<span class=\"_ gs2a\"> </span>details.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-513": {
   "value": "32. Other <span class=\"_ _3\"></span>liabilities<span class=\"_ _35a\"> </span><table class=\"s w441 h109\" id=\"_68b2019c-9ef9-411b-9cc3-17636a1b6f64\"><tr><td></td><td class=\"t m1 x2c8 h21 y40de ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40de ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y40e0 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _279\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w6ec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Accruals<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0d y3fd2 w6ed hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">33.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0e y3d51 w606 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">26.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w6ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsd4 ws24\">Deferred inc<span class=\"_ _3\"></span>ome<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0f y3fd4 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa10 y3fd3 w65c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6f0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Oth<span class=\"_ _3\"></span>er credito<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa11 y3d56 w6f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">12<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa12 y3d55 w6f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Share re<span class=\"_ _3\"></span>purchas<span class=\"_ _3\"></span>e liability<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa13 y3d57 w6f4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa14 y3d58 w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e3 y3d59 w8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">56<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa15 y3d5a w8d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table>On 15 Augus<span class=\"_ _0\"></span>t 2024<span class=\"_ _0\"></span>, the Board authorised an or<span class=\"_ _0\"></span>dinary share repurchase pro<span class=\"_ _0\"></span>gramme of up to \u00a350<span class=\"_ _0\"></span>.0m, r<span class=\"_ _0\"></span>ecognising a \u00a350.<span class=\"_ _0\"></span>3m (including incentive fee o<span class=\"_ _0\"></span>f \u00a30.<span class=\"_ _0\"></span>3m) reduction in retained earnings and a share repur<span class=\"_ _0\"></span>chase liability. As at 31 December 2024<span class=\"_ _0\"></span>, 10,<span class=\"_ _0\"></span>721,<span class=\"_ _2\"></span>471 shares had been purchased by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s agen<span class=\"_ _0\"></span>t under the programme at a to<span class=\"_ _0\"></span>tal cost of \u00a340<span class=\"_ _0\"></span>.3m, reducing the share r<span class=\"_ _0\"></span>epurchase liability to \u00a310<span class=\"_ _0\"></span>.0m. Other cr<span class=\"_ _0\"></span>editors include \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5m for 114<span class=\"_ _0\"></span>,09<span class=\"_ _0\"></span>8 shares purchased by the agen<span class=\"_ _0\"></span>t prior to 31 December 2024 for which the Group has completed payment in January 2<span class=\"_ _0\"></span>025. Any share r<span class=\"_ _0\"></span>epurchases made under this progr<span class=\"_ _0\"></span>amme wer<span class=\"_ _0\"></span>e announced to the mark<span class=\"_ _0\"></span>et each day in line with regulatory r<span class=\"_ _0\"></span>equirements<span class=\"_ _0\"></span>, see note 38 for<span class=\"_ gs2a\"> </span>further<span class=\"_ gs2a\"> </span>details.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-495": {
   "value": "32. Other <span class=\"_ _3\"></span>liabilities<span class=\"_ _35a\"> </span><table class=\"s w441 h109\" id=\"_68b2019c-9ef9-411b-9cc3-17636a1b6f64\"><tr><td></td><td class=\"t m1 x2c8 h21 y40de ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40de ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40df ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y40e0 ff1 fs6 fc4 sc0 ls101 ws6f\">Falling due within one ye<span class=\"_ _3\"></span>ar<span class=\"_ _279\"> </span><span class=\"ls0 ws0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w6ec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Accruals<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0d y3fd2 w6ed hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">33.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0e y3d51 w606 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">26.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w6ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsd4 ws24\">Deferred inc<span class=\"_ _3\"></span>ome<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0f y3fd4 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa10 y3fd3 w65c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w6f0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Oth<span class=\"_ _3\"></span>er credito<span class=\"_ _3\"></span>rs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa11 y3d56 w6f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">12<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa12 y3d55 w6f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w6f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">Share re<span class=\"_ _3\"></span>purchas<span class=\"_ _3\"></span>e liability<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa13 y3d57 w6f4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa14 y3d58 w5e3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e3 y3d59 w8c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">56<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa15 y3d5a w8d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table>On 15 Augus<span class=\"_ _0\"></span>t 2024<span class=\"_ _0\"></span>, the Board authorised an or<span class=\"_ _0\"></span>dinary share repurchase pro<span class=\"_ _0\"></span>gramme of up to \u00a350<span class=\"_ _0\"></span>.0m, r<span class=\"_ _0\"></span>ecognising a \u00a350.<span class=\"_ _0\"></span>3m (including incentive fee o<span class=\"_ _0\"></span>f \u00a30.<span class=\"_ _0\"></span>3m) reduction in retained earnings and a share repur<span class=\"_ _0\"></span>chase liability. As at 31 December 2024<span class=\"_ _0\"></span>, 10,<span class=\"_ _0\"></span>721,<span class=\"_ _2\"></span>471 shares had been purchased by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s agen<span class=\"_ _0\"></span>t under the programme at a to<span class=\"_ _0\"></span>tal cost of \u00a340<span class=\"_ _0\"></span>.3m, reducing the share r<span class=\"_ _0\"></span>epurchase liability to \u00a310<span class=\"_ _0\"></span>.0m. Other cr<span class=\"_ _0\"></span>editors include \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5m for 114<span class=\"_ _0\"></span>,09<span class=\"_ _0\"></span>8 shares purchased by the agen<span class=\"_ _0\"></span>t prior to 31 December 2024 for which the Group has completed payment in January 2<span class=\"_ _0\"></span>025. Any share r<span class=\"_ _0\"></span>epurchases made under this progr<span class=\"_ _0\"></span>amme wer<span class=\"_ _0\"></span>e announced to the mark<span class=\"_ _0\"></span>et each day in line with regulatory r<span class=\"_ _0\"></span>equirements<span class=\"_ _0\"></span>, see note 38 for<span class=\"_ gs2a\"> </span>further<span class=\"_ gs2a\"> </span>details.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs517\">33. <span class=\"_ _0\"></span>Pro<span class=\"_ _0\"></span>visions and contingent liabilities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs518\">The Group is re<span class=\"_ _0\"></span>viewing and enhancing its collections pr<span class=\"_ _0\"></span>ocesses and how mortgage </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs519\">cust<span class=\"_ _0\"></span>omers in arrear<span class=\"_ _0\"></span>s are managed as well as undertaking a retr<span class=\"_ _0\"></span>ospective re<span class=\"_ _0\"></span>view of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs51a\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s application of f<span class=\"_ _0\"></span>orbearance measures and associate<span class=\"_ _0\"></span>d outcomes for certain cohor<span class=\"_ _3\"></span>ts </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs51b\">of cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. This revie<span class=\"_ _0\"></span>w has led to the Group recognising a pr<span class=\"_ _0\"></span>ovision of \u00a33<span class=\"_ _0\"></span>.0m based on it<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs51c\">estimat<span class=\"_ _0\"></span>e of cost and redr<span class=\"_ _0\"></span>ess due on accounts re<span class=\"_ _0\"></span>view<span class=\"_ _0\"></span>ed as at 31 December 2024<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs51d\">The Group recognise<span class=\"_ _0\"></span>d a provision of \u00a31.<span class=\"_ _0\"></span>1m (2023: nil) r<span class=\"_ _0\"></span>elating to dismantling cos<span class=\"_ _0\"></span>ts. This w<span class=\"_ _0\"></span>as </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs51e\">capitalised to the cos<span class=\"_ _0\"></span>t of the associated righ<span class=\"_ _0\"></span>t-of-use asset.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs51f\">The Group oper<span class=\"_ _0\"></span>ates in a highly regulated en<span class=\"_ _0\"></span>vironment and in the normal course o<span class=\"_ _0\"></span>f business, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs520\">may from time to time r<span class=\"_ _0\"></span>eceive complaints and claims or be inv<span class=\"_ _0\"></span>olved in legal pr<span class=\"_ _0\"></span>oceedings that </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs521\">could lead to a pro<span class=\"_ _0\"></span>vision or contingent liability. This envir<span class=\"_ _0\"></span>onment continues to e<span class=\"_ _0\"></span>volve thr<span class=\"_ _0\"></span>ough </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs522\">legislation, regulat<span class=\"_ _0\"></span>ory guidance and cour<span class=\"_ _3\"></span>t rulings and the Group activ<span class=\"_ _0\"></span>ely monitors these </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs523\">dev<span class=\"_ _0\"></span>elopments<span class=\"_ _0\"></span>. At the reporting date the Group considered that it had no mat<span class=\"_ _0\"></span>erial provisions or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs524\">contingent liabilities sav<span class=\"_ _0\"></span>e as here.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs525\">An analysis of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visions is presente<span class=\"_ _0\"></span>d below:<span class=\"_ _35a\"> </span></div><div class=\"gs526\"><table class=\"s w6f5 h10d\" id=\"_cc7dddd3-c9e7-4817-8840-9f585b147364\"><tr><td></td><td class=\"t m1 xa16 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">Other regulatory </td><td class=\"t m1 xa17 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">ECL on undrawn </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa18 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">provision<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa19 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">loan facilities<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1a h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">Dismantling cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40e2 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 xa1b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y40e4 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1d y40e4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1e y40e4 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1f y40e4 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa20 y40e4 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e5 w6f6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa21 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa22 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa23 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa24 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e6 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa25 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa26 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa27 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa28 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e7 w676 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa29 y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2a y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2b y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2c y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e9 w6f8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>cre<span class=\"_ _3\"></span>dit)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2d y3d58 w6f9 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2e y3d58 w493 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2f y3d58 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa30 y3d58 w6fa hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">2.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa31 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa32 y3d5a w6fc hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa33 y3d5a w51f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa34 y3d5a w90 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-543": {
   "value": "33. <span class=\"_ _0\"></span>Pro<span class=\"_ _0\"></span>visions and contingent liabilities<span class=\"_ _35a\"> </span>The Group is re<span class=\"_ _0\"></span>viewing and enhancing its collections pr<span class=\"_ _0\"></span>ocesses and how mortgage cust<span class=\"_ _0\"></span>omers in arrear<span class=\"_ _0\"></span>s are managed as well as undertaking a retr<span class=\"_ _0\"></span>ospective re<span class=\"_ _0\"></span>view of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s application of f<span class=\"_ _0\"></span>orbearance measures and associate<span class=\"_ _0\"></span>d outcomes for certain cohor<span class=\"_ _3\"></span>ts of cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. This revie<span class=\"_ _0\"></span>w has led to the Group recognising a pr<span class=\"_ _0\"></span>ovision of \u00a33<span class=\"_ _0\"></span>.0m based on it<span class=\"_ _0\"></span>s estimat<span class=\"_ _0\"></span>e of cost and redr<span class=\"_ _0\"></span>ess due on accounts re<span class=\"_ _0\"></span>view<span class=\"_ _0\"></span>ed as at 31 December 2024<span class=\"_ _0\"></span>. The Group recognise<span class=\"_ _0\"></span>d a provision of \u00a31.<span class=\"_ _0\"></span>1m (2023: nil) r<span class=\"_ _0\"></span>elating to dismantling cos<span class=\"_ _0\"></span>ts. This w<span class=\"_ _0\"></span>as capitalised to the cos<span class=\"_ _0\"></span>t of the associated righ<span class=\"_ _0\"></span>t-of-use asset.<span class=\"_ _35a\"> </span>The Group oper<span class=\"_ _0\"></span>ates in a highly regulated en<span class=\"_ _0\"></span>vironment and in the normal course o<span class=\"_ _0\"></span>f business, may from time to time r<span class=\"_ _0\"></span>eceive complaints and claims or be inv<span class=\"_ _0\"></span>olved in legal pr<span class=\"_ _0\"></span>oceedings that could lead to a pro<span class=\"_ _0\"></span>vision or contingent liability. This envir<span class=\"_ _0\"></span>onment continues to e<span class=\"_ _0\"></span>volve thr<span class=\"_ _0\"></span>ough legislation, regulat<span class=\"_ _0\"></span>ory guidance and cour<span class=\"_ _3\"></span>t rulings and the Group activ<span class=\"_ _0\"></span>ely monitors these dev<span class=\"_ _0\"></span>elopments<span class=\"_ _0\"></span>. At the reporting date the Group considered that it had no mat<span class=\"_ _0\"></span>erial provisions or contingent liabilities sav<span class=\"_ _0\"></span>e as here.<span class=\"_ _35a\"> </span>An analysis of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visions is presente<span class=\"_ _0\"></span>d below:<span class=\"_ _35a\"> </span><table class=\"s w6f5 h10d\" id=\"_cc7dddd3-c9e7-4817-8840-9f585b147364\"><tr><td></td><td class=\"t m1 xa16 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">Other regulatory </td><td class=\"t m1 xa17 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">ECL on undrawn </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa18 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">provision<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa19 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">loan facilities<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1a h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">Dismantling cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40e2 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 xa1b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y40e4 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1d y40e4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1e y40e4 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1f y40e4 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa20 y40e4 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e5 w6f6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa21 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa22 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa23 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa24 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e6 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa25 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa26 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa27 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa28 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e7 w676 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa29 y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2a y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2b y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2c y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e9 w6f8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>cre<span class=\"_ _3\"></span>dit)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2d y3d58 w6f9 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2e y3d58 w493 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2f y3d58 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa30 y3d58 w6fa hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">2.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa31 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa32 y3d5a w6fc hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa33 y3d5a w51f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa34 y3d5a w90 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td></tr></table>41. <span class=\"_ _1\"></span>Financial c<span class=\"_ _3\"></span>ommitments and guar<span class=\"_ _0\"></span>antees<span class=\"_ _35a\"> </span>a) <span class=\"_ _19\"> </span> <span class=\"_ _23\"></span>The Group had \u00a34<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1m) of contrac<span class=\"_ _0\"></span>ted capital expenditur<span class=\"_ _0\"></span>e commitments not provide<span class=\"_ _0\"></span>d for as at 31 December 2024<span class=\"_ _0\"></span>. b) <span class=\"_ _19\"> </span> <span class=\"_ _23\"></span>The Group had \u00a30.<span class=\"_ _0\"></span>1m (<span class=\"_ _0\"></span>2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m) of minimum le<span class=\"_ _0\"></span>ase commitments under leases for lo<span class=\"_ _0\"></span>w-<span class=\"_ _35a\"> </span>value assets and short-term leases of 12 mon<span class=\"_ _0\"></span>ths or less.<span class=\"_ _35a\"> </span>c)   <span class=\"_ _26\"></span>Undr<span class=\"_ _0\"></span>awn loan facilities:<span class=\"_ _35a\"> </span><table class=\"s w6c7 h10f\" id=\"_fe3b7acf-d9b1-4ed4-a6a5-6d75ea4b1bc8\"><tr><td></td><td class=\"t m1 x3cd h21 y412d ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y412d ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y412e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y412e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fd3 w776 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">OSB mortgages<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac6 y4066 w777 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac7 y3fd3 w778 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w779 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac8 y3fe6 w77a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac9 y3fd5 w77b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>91.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w77c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Ass<span class=\"_ _3\"></span>et finance<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaca y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacb y3d58 w77d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xacc y3f5f w77e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">987<span class=\"_ _2\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacd y3d5a w77f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table>Undra<span class=\"_ _0\"></span>wn loan facilities are appro<span class=\"_ _0\"></span>ved loan applications which hav<span class=\"_ _0\"></span>e not yet been exer<span class=\"_ _0\"></span>cised. They are payable on demand and are usually dr<span class=\"_ _0\"></span>awn down or e<span class=\"_ _0\"></span>xpire within three months<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>d) <span class=\"_ _19\"> </span> <span class=\"_ _26\"></span>The Group did not hav<span class=\"_ _0\"></span>e any issued financial guarantees as at 3<span class=\"_ _0\"></span>1 Dec<span class=\"_ _3\"></span>ember 2024 (<span class=\"_ _0\"></span>2023: nil).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-514": {
   "value": "33. <span class=\"_ _0\"></span>Pro<span class=\"_ _0\"></span>visions and contingent liabilities<span class=\"_ _35a\"> </span>The Group is re<span class=\"_ _0\"></span>viewing and enhancing its collections pr<span class=\"_ _0\"></span>ocesses and how mortgage cust<span class=\"_ _0\"></span>omers in arrear<span class=\"_ _0\"></span>s are managed as well as undertaking a retr<span class=\"_ _0\"></span>ospective re<span class=\"_ _0\"></span>view of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s application of f<span class=\"_ _0\"></span>orbearance measures and associate<span class=\"_ _0\"></span>d outcomes for certain cohor<span class=\"_ _3\"></span>ts of cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. This revie<span class=\"_ _0\"></span>w has led to the Group recognising a pr<span class=\"_ _0\"></span>ovision of \u00a33<span class=\"_ _0\"></span>.0m based on it<span class=\"_ _0\"></span>s estimat<span class=\"_ _0\"></span>e of cost and redr<span class=\"_ _0\"></span>ess due on accounts re<span class=\"_ _0\"></span>view<span class=\"_ _0\"></span>ed as at 31 December 2024<span class=\"_ _0\"></span>. The Group recognise<span class=\"_ _0\"></span>d a provision of \u00a31.<span class=\"_ _0\"></span>1m (2023: nil) r<span class=\"_ _0\"></span>elating to dismantling cos<span class=\"_ _0\"></span>ts. This w<span class=\"_ _0\"></span>as capitalised to the cos<span class=\"_ _0\"></span>t of the associated righ<span class=\"_ _0\"></span>t-of-use asset.<span class=\"_ _35a\"> </span>The Group oper<span class=\"_ _0\"></span>ates in a highly regulated en<span class=\"_ _0\"></span>vironment and in the normal course o<span class=\"_ _0\"></span>f business, may from time to time r<span class=\"_ _0\"></span>eceive complaints and claims or be inv<span class=\"_ _0\"></span>olved in legal pr<span class=\"_ _0\"></span>oceedings that could lead to a pro<span class=\"_ _0\"></span>vision or contingent liability. This envir<span class=\"_ _0\"></span>onment continues to e<span class=\"_ _0\"></span>volve thr<span class=\"_ _0\"></span>ough legislation, regulat<span class=\"_ _0\"></span>ory guidance and cour<span class=\"_ _3\"></span>t rulings and the Group activ<span class=\"_ _0\"></span>ely monitors these dev<span class=\"_ _0\"></span>elopments<span class=\"_ _0\"></span>. At the reporting date the Group considered that it had no mat<span class=\"_ _0\"></span>erial provisions or contingent liabilities sav<span class=\"_ _0\"></span>e as here.<span class=\"_ _35a\"> </span>An analysis of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visions is presente<span class=\"_ _0\"></span>d below:<span class=\"_ _35a\"> </span><table class=\"s w6f5 h10d\" id=\"_cc7dddd3-c9e7-4817-8840-9f585b147364\"><tr><td></td><td class=\"t m1 xa16 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">Other regulatory </td><td class=\"t m1 xa17 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">ECL on undrawn </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa18 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">provision<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa19 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">loan facilities<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1a h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">Dismantling cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40e2 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 xa1b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y40e4 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1d y40e4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1e y40e4 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1f y40e4 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa20 y40e4 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e5 w6f6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa21 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa22 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa23 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa24 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e6 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa25 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa26 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa27 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa28 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e7 w676 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa29 y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2a y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2b y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2c y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e9 w6f8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>cre<span class=\"_ _3\"></span>dit)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2d y3d58 w6f9 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2e y3d58 w493 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2f y3d58 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa30 y3d58 w6fa hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">2.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa31 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa32 y3d5a w6fc hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa33 y3d5a w51f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa34 y3d5a w90 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-496": {
   "value": "33. <span class=\"_ _0\"></span>Pro<span class=\"_ _0\"></span>visions and contingent liabilities<span class=\"_ _35a\"> </span>The Group is re<span class=\"_ _0\"></span>viewing and enhancing its collections pr<span class=\"_ _0\"></span>ocesses and how mortgage cust<span class=\"_ _0\"></span>omers in arrear<span class=\"_ _0\"></span>s are managed as well as undertaking a retr<span class=\"_ _0\"></span>ospective re<span class=\"_ _0\"></span>view of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s application of f<span class=\"_ _0\"></span>orbearance measures and associate<span class=\"_ _0\"></span>d outcomes for certain cohor<span class=\"_ _3\"></span>ts of cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>. This revie<span class=\"_ _0\"></span>w has led to the Group recognising a pr<span class=\"_ _0\"></span>ovision of \u00a33<span class=\"_ _0\"></span>.0m based on it<span class=\"_ _0\"></span>s estimat<span class=\"_ _0\"></span>e of cost and redr<span class=\"_ _0\"></span>ess due on accounts re<span class=\"_ _0\"></span>view<span class=\"_ _0\"></span>ed as at 31 December 2024<span class=\"_ _0\"></span>. The Group recognise<span class=\"_ _0\"></span>d a provision of \u00a31.<span class=\"_ _0\"></span>1m (2023: nil) r<span class=\"_ _0\"></span>elating to dismantling cos<span class=\"_ _0\"></span>ts. This w<span class=\"_ _0\"></span>as capitalised to the cos<span class=\"_ _0\"></span>t of the associated righ<span class=\"_ _0\"></span>t-of-use asset.<span class=\"_ _35a\"> </span>The Group oper<span class=\"_ _0\"></span>ates in a highly regulated en<span class=\"_ _0\"></span>vironment and in the normal course o<span class=\"_ _0\"></span>f business, may from time to time r<span class=\"_ _0\"></span>eceive complaints and claims or be inv<span class=\"_ _0\"></span>olved in legal pr<span class=\"_ _0\"></span>oceedings that could lead to a pro<span class=\"_ _0\"></span>vision or contingent liability. This envir<span class=\"_ _0\"></span>onment continues to e<span class=\"_ _0\"></span>volve thr<span class=\"_ _0\"></span>ough legislation, regulat<span class=\"_ _0\"></span>ory guidance and cour<span class=\"_ _3\"></span>t rulings and the Group activ<span class=\"_ _0\"></span>ely monitors these dev<span class=\"_ _0\"></span>elopments<span class=\"_ _0\"></span>. At the reporting date the Group considered that it had no mat<span class=\"_ _0\"></span>erial provisions or contingent liabilities sav<span class=\"_ _0\"></span>e as here.<span class=\"_ _35a\"> </span>An analysis of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s pro<span class=\"_ _0\"></span>visions is presente<span class=\"_ _0\"></span>d below:<span class=\"_ _35a\"> </span><table class=\"s w6f5 h10d\" id=\"_cc7dddd3-c9e7-4817-8840-9f585b147364\"><tr><td></td><td class=\"t m1 xa16 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">Other regulatory </td><td class=\"t m1 xa17 h21 y40e1 ff1 fs5 fc5 sc0 ls0 ws0\">ECL on undrawn </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa18 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">provision<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa19 h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">loan facilities<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1a h21 y40e2 ff1 fs5 fc5 sc0 ls0 ws0\">Dismantling cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40e2 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 xa1b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40e3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y40e4 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1d y40e4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1e y40e4 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1f y40e4 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa20 y40e4 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e5 w6f6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa21 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa22 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa23 y40e5 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa24 y40e5 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e6 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa25 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa26 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa27 y40e6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa28 y40e6 w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e7 w676 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls65 ws21\">Additions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa29 y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2a y40e8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2b y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2c y40e8 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e9 w6f8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Profit or los<span class=\"_ _3\"></span>s charge/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>cre<span class=\"_ _3\"></span>dit)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2d y3d58 w6f9 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2e y3d58 w493 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa2f y3d58 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa30 y3d58 w6fa hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">2.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa31 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa32 y3d5a w6fc hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa33 y3d5a w51f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa34 y3d5a w90 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">4.6<span class=\"_ _35a\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws184 gs53e\">35. Subor<span class=\"_ _0\"></span>dinated <span class=\"_ _1\"></span>liabilities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs53f\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s outs<span class=\"_ _0\"></span>tanding subordinated liabilities ar<span class=\"_ _0\"></span>e summarised below:<span class=\"_ _35a\"> </span></div><div class=\"gs47b\"><table class=\"s w6c7 h110\" id=\"_49f3c6da-634f-45e4-9ef9-0f1139a8f507\"><tr><td></td><td></td><td></td><td class=\"t m1 x3cd h21 y40f1 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40f1 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"c n xa48 y40f2 w713 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Reset date<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa49 y40f2 w6fe hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Spread<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x27b h21 y40f3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40f3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y40f4 ff1 fs6 fc4 sc0 ls0 ws0\">Fixed rate<span class=\"_ _b4\"> </span><span class=\"ff2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y40f5 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s 2033 </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a w714 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>9.9<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>%<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4a y3d5a w715 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">27 July 2028<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4b y3d5a w716 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>6%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4c y3dd0 w711 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4d y3d5a w9b hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs540\">All subordinate<span class=\"_ _0\"></span>d liabilities are denominated in pounds s<span class=\"_ _0\"></span>terling and are list<span class=\"_ _0\"></span>ed on the official list </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs541\">of the FC<span class=\"_ _0\"></span>A and admitted to trading on the main mark<span class=\"_ _0\"></span>et of the L<span class=\"_ _0\"></span>ondon Stock Ex<span class=\"_ _0\"></span>change plc.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs542\">The principal terms of the subor<span class=\"_ _0\"></span>dinated debt liabilities are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs543\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Interes<span class=\"_ _0\"></span>t:<span class=\"ff2\"> Interes<span class=\"_ _0\"></span>t on the notes is fixed at an initial r<span class=\"_ _0\"></span>ate until the reset date<span class=\"_ _0\"></span>. If the notes are </span></span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs544\">not redeemed prior t<span class=\"_ _0\"></span>o the reset date, the in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate will be reset and fix<span class=\"_ _0\"></span>ed based on a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs545\">benchmark gilt rate plus the specifie<span class=\"_ _0\"></span>d spread.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls0 ws0 gs546\">\u2022 <span class=\"_ _15\"> </span><span class=\"ff6\">Redemption: </span>The Issuer may redeem the Tier 2 not<span class=\"_ _0\"></span>es in whole (but not in part) in its sole </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs547\">discretion on any day from (<span class=\"_ _0\"></span>and including) 27 April 2028 to (<span class=\"_ _0\"></span>and including) 27 July 2028 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs548\">(the reset date<span class=\"_ _0\"></span>) as specified in the terms of the agreemen<span class=\"_ _0\"></span>t. Optional redemption may also </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs549\">tak<span class=\"_ _0\"></span>e place for certain regulatory or t<span class=\"_ _0\"></span>ax reasons. Any optional r<span class=\"_ _0\"></span>edemption requires the prior </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs54a\">consent of the PRA.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h22 ff2 fs6 fc4 sc0 ls15 ws18 gs54b\">\u2022 <span class=\"_ _3b\"> </span><span class=\"ff6\">Ranking:</span><span class=\"ws0\"> The notes cons<span class=\"_ _0\"></span>titute direct, unsecured and subor<span class=\"_ _0\"></span>dinated obligations of OSB<span class=\"_ _0\"></span>G and<span class=\"_ _3\"></span> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs54c\">rank at leas<span class=\"_ _0\"></span>t pari passu, without any pref<span class=\"_ _0\"></span>erence, among themselves as T<span class=\"_ _0\"></span>ier 2 capital. The notes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs54d\">rank behind the claims o<span class=\"_ _0\"></span>f depositors and other unsecured and unsubor<span class=\"_ _0\"></span>dinated credit<span class=\"_ _0\"></span>ors, but </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs54e\">rank in priority to holder<span class=\"_ _0\"></span>s of Tier 1 capital ins<span class=\"_ _0\"></span>truments and o<span class=\"_ _0\"></span>f equity holders of OSB<span class=\"_ _0\"></span>G.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs54f\">The table belo<span class=\"_ _0\"></span>w shows a reconciliation of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s subordinated liabilities during the year:<span class=\"_ _35a\"> </span></div><div class=\"gs550\"><table class=\"s w6c7 h10f\" id=\"_4fb6cf51-4593-404f-bd8e-c72a768d4530\"><tr><td></td><td class=\"t m1 x3cd h21 y40f6 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y40f6 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y40f7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y40f7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d53 w5ff hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa4e y3fb3 w717 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>59.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x743 y3d53 w6d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40f0 w718 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Addition</div><div class=\"t m1 xa4f h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa50 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa51 y3d55 w719 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">248.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w70e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in accru<span class=\"_ _3\"></span>ed interest<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa52 y3fb5 w45 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa53 y3d58 w71a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w607 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa54 y3f5f w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa55 y3d5a w9b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs551\">1. <span class=\"_ _14\"> </span>2<span class=\"_ _3\"></span>023 add<span class=\"_ _3\"></span>itio<span class=\"_ _3\"></span>n incl<span class=\"_ _3\"></span>ude<span class=\"_ _3\"></span>s \u00a31.3<span class=\"_ _3\"></span>m towar<span class=\"_ _3\"></span>ds tran<span class=\"_ _3\"></span>sact<span class=\"_ _3\"></span>ion co<span class=\"_ _3\"></span>st<span class=\"_ _3\"></span>s whic<span class=\"_ _3\"></span>h has b<span class=\"_ _3\"></span>een am<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>tise<span class=\"_ _3\"></span>d thro<span class=\"_ _3\"></span>ugh th<span class=\"_ _3\"></span>e EIR of th<span class=\"_ _3\"></span>e loan n<span class=\"_ _3\"></span>otes<span class=\"_ _3\"></span>. </div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs553\">36. <span class=\"_ _0\"></span>Perpetual subordinated bonds<span class=\"_ _35a\"> </span></div><div class=\"gs4e6\"><table class=\"s w441 h111\" id=\"_635ad9c0-f7bf-4fed-bbfe-196bc20e65f4\"><tr><td></td><td class=\"t m1 x2c8 h21 y40f8 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40f8 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y40f9 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40f9 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d5a w71b hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Sterling PS<span class=\"_ _3\"></span>Bs (4.60<span class=\"_ _3\"></span>0<span class=\"_ _0\"></span>7<span class=\"_ _3\"></span>%)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa56 y3dd0 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa57 y3d5a w9f hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs554\">On 27 Augus<span class=\"_ _0\"></span>t 2024<span class=\"_ _0\"></span>, the PSBs originally issued in February 2011 (ISIN: GB00B67<span class=\"_ _2\"></span>JQ<span class=\"_ _0\"></span>X63) wer<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs555\">redeemed and cancelled. The lis<span class=\"_ _0\"></span>ting of these PSBs w<span class=\"_ _0\"></span>as cancelled on the Of<span class=\"_ _3\"></span>ficial Lis<span class=\"_ _0\"></span>t of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs556\">FCA<span class=\"_ gs2a\"> </span>and on the Main Mark<span class=\"_ _0\"></span>et of the L<span class=\"_ _0\"></span>ondon Stock Ex<span class=\"_ _0\"></span>change.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs558\">37<span class=\"_ _5\"></span>. <span class=\"_ _18\"></span>Reconciliation of cash flows from financing activities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs559\">The table belo<span class=\"_ _0\"></span>w shows a reconciliation of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s liabilities classified as financing activities </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs55a\">within the Consolidated Stat<span class=\"_ _0\"></span>ement of Cash Flow<span class=\"_ _0\"></span>s:<span class=\"_ _35a\"> </span></div><div class=\"gs55b\"><table class=\"s w71c h112\" id=\"_738da0ef-8ab4-4b25-8c34-95a8cbd83db5\"><tr><td></td><td class=\"t m1 xa58 h21 y40fa ff1 fs5 fc5 sc0 ls0 ws0\">Amounts </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa59 h21 y40fb ff1 fs5 fc5 sc0 ls0 ws0\">owed to </td><td class=\"t m1 xa5a h21 y40fb ff1 fs5 fc5 sc0 ls0 ws0\">Debt </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa5b h21 y40fc ff1 fs5 fc5 sc0 ls0 ws0\">credit </td><td class=\"t m1 xa5c h21 y40fc ff1 fs5 fc5 sc0 ls0 ws0\">securities in </td><td></td><td class=\"t m1 xa5d h21 y40fc ff1 fs5 fc5 sc0 ls0 ws0\">Subordinated </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xa5e h21 y40fd ff1 fs5 fc5 sc0 ls0 ws0\">institutions </td><td class=\"t m1 xa5f h21 y40fd ff1 fs5 fc5 sc0 ls0 ws0\">issue (see </td><td class=\"t m1 xa60 h21 y40fd ff1 fs5 fc5 sc0 ls0 ws0\">Senior notes </td><td class=\"t m1 xa5d h21 y40fd ff1 fs5 fc5 sc0 ls0 ws0\">liabilities (see </td><td class=\"t m1 xa61 h21 y40fd ff1 fs5 fc5 sc0 ls0 ws0\">PSBs (see </td><td></td></tr><tr><td></td><td class=\"t m1 xa62 h21 y40fe ff1 fs5 fc5 sc0 ls0 ws0\">(see note 27<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa63 h21 y40fe ff1 fs5 fc5 sc0 ls0 ws0\">note 30)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2ca h21 y40fe ff1 fs5 fc5 sc0 ls0 ws0\">(see note 34)<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa64 h21 y40fe ff1 fs5 fc5 sc0 ls0 ws0\">note 35)<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa65 h21 y40fe ff1 fs5 fc5 sc0 ls0 ws0\">note 36)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y40fe ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x69e h21 y40ff ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y40ff ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y40ff ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y40ff ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y40ff ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y40ff ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4100 wbd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa66 y4101 w71d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4,<span class=\"_ _3\"></span>54<span class=\"_ _3\"></span>3.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa67 y4101 w71e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa68 y4101 w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa69 y4101 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa6a y4101 w71f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls169 ws9a\">15<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa6b y4101 w720 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>24.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4102 ff1 fs6 fc4 sc0 ls63 ws5f\">Cash mo<span class=\"_ _0\"></span>vements<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4103 ff2 fs6 fc4 sc0 ls0 ws0\">Princip<span class=\"_ _3\"></span>al drawdowns<span class=\"_ _35a\"> </span></td><td class=\"c n x7d3 y4104 w721 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa6c y4104 w722 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">59<span class=\"_ _3\"></span>1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa6d y4104 w723 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa6e y4104 w724 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls6f ws6b\">24<span class=\"_ _3\"></span>8.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa6f y4104 w489 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa70 y4104 w725 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _3\"></span>328.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4105 w726 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Princip<span class=\"_ _3\"></span>al repayme<span class=\"_ _3\"></span>nts<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa71 y4106 w727 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(1,3<span class=\"_ _3\"></span>90.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa72 y4106 w728 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x7b3 y4106 w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa69 y4106 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa73 y4106 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa74 y4106 w729 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(1,<span class=\"_ _0\"></span>4<span class=\"_ _3\"></span>30.3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4107 w72a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st p<span class=\"_ _3\"></span>aid<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa75 y4108 w72b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(178.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa76 y4108 w72c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa77 y4108 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa78 y4108 w72d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls29 wsca\">(6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa79 y4108 w72e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(0.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa7a y4108 w72f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4109 ff1 fs6 fc4 sc0 ls63 ws5f\">Non-cash </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y410a ff1 fs6 fc4 sc0 ls63 ws5f\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y410b ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st ch<span class=\"_ _3\"></span>arged<span class=\"_ _35a\"> </span></td><td class=\"c n x7d3 y410c w730 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa7b y410c w674 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa7c y410c w731 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls4 wsc8\">9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa7d y410c w732 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa7e y410c w733 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa7f y410c w734 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd3 ws2\">245<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y410d ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y410e ff2 fs6 fc4 sc0 ls0 ws0\">2023<span class=\"_ _35a\"> </span></td><td class=\"c n xa80 y410f w735 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">3,<span class=\"_ _3\"></span>362.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa81 y410f w736 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd2 wsd1\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa82 y410f w5d1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa83 y410f w737 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa84 y410f w738 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls169 ws9a\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa85 y410f w739 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">4,7<span class=\"_ _0\"></span>62.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4110 ff1 fs6 fc4 sc0 ls63 ws5f\">Cash mo<span class=\"_ _0\"></span>vements<span class=\"_ _44\"> </span><span class=\"ff2 fs0 ls0 ws0\"> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4111 w73a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Princip<span class=\"_ _3\"></span>al drawdowns<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa86 y4112 w73b hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">5<span class=\"_ _3\"></span>94<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa87 y4112 w73c hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">7<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa88 y4112 w73d hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">398.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa89 y4112 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa8a y4112 wf9 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa8b y4112 w73e hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">1,736.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4113 w726 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Princip<span class=\"_ _3\"></span>al repayme<span class=\"_ _3\"></span>nts<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa8c y4114 w73f hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">(2,<span class=\"_ _0\"></span>153.<span class=\"_ _0\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa8d y4114 w740 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsca wsc6\">(548.<span class=\"_ _0\"></span>4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa8e y4114 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa8f y4114 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa90 y4114 w741 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">(1<span class=\"_ _3\"></span>5.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa91 y4114 w742 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>,7<span class=\"_ _3\"></span>16.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4115 w72a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st p<span class=\"_ _3\"></span>aid<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa92 y4116 w743 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls1f ws61\">(142<span class=\"_ _3\"></span>.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa93 y4116 w744 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsca wsc6\">(58.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa94 y4116 w745 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">(46<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa95 y4116 w746 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(25<span class=\"_ _3\"></span>.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa96 y4116 w747 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls5a wsc2\">(0.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa97 y4116 w748 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>73.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4117 ff1 fs6 fc4 sc0 ls63 ws5f\">Non-cash </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4118 ff1 fs6 fc4 sc0 ls63 ws5f\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4119 w749 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st ch<span class=\"_ _3\"></span>arged<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa98 y411a w74a hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">114.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa99 y411a w74b hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">62<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa9a y411a w74c hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">6<span class=\"_ _3\"></span>3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa9b y411a w74d hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa9c y411a w74e hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa9d y411a w74f hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd0 wsce\">26<span class=\"_ _3\"></span>6.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y411b ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y411c ff1 fs6 fc4 sc0 ls119 ws1a\">2024<span class=\"_ _35a\"> </span></td><td class=\"c n x7c7 y411d w750 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd2 wsd1\">1,775<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa9e y411d w751 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsd3 ws2\">1,01<span class=\"_ _3\"></span>8.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa9f y411d w752 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls72 wsa\">722<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa0 y411d w4b3 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa1 y411d wf9 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa2 y411d w753 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls155 ws164\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs74e\">47<span class=\"_ _5\"></span>. <span class=\"_ _1\"></span> <span class=\"_ _26\"></span>A<span class=\"_ _0\"></span>djustments for non-cash items and changes in operating assets </div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs74f\">and<span class=\"_ gs2cf\"> </span>liabilities<span class=\"_ _35a\"> </span></div><div class=\"gs750\"><table class=\"s wc85 h13b\" id=\"_0c83391e-4f19-4823-8b4e-3cc6e0190524\"><tr><td></td><td class=\"t m1 x129c h21 y437f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y437f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x6a2 h21 y4380 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4380 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4381 ff1 fs6 fc4 sc0 ls63 ws5f\">Adju<span class=\"_ _0\"></span>stments for n<span class=\"_ _0\"></span>on-cash and other<span class=\"_ _0\"></span> items<span class=\"_ _32a\"> </span><span class=\"fs0 ls0 ws0\"> <span class=\"_ _1d1\"> </span><span class=\"ff2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x248 y4382 wbfc hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Dep<span class=\"_ _3\"></span>reciatio<span class=\"_ _3\"></span>n and amor<span class=\"_ _3\"></span>tisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n x129d y4383 wc86 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">11.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x129e y4383 w624 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4384 wc87 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Interest o<span class=\"_ _3\"></span>n investment s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x129f y4385 wc88 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">(<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>)</div></td><td class=\"c n x12a0 y4385 wc89 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls29 wsca\">(2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4386 wc8a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Interest o<span class=\"_ _3\"></span>n subordinate<span class=\"_ _3\"></span>d liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a1 y4387 wc8b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">25.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a2 y4387 w732 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4388 wc8c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st on<span class=\"_ _3\"></span> PSB<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a3 y4389 w74e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a4 y4389 wc8d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y438a wc8e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Interest o<span class=\"_ _3\"></span>n securi<span class=\"_ _3\"></span>tised de<span class=\"_ _3\"></span>bt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a5 y438b w74b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">62<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a6 y438b w674 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>1.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y438c wc8f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Interest o<span class=\"_ _3\"></span>n senior note<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a7 y438d w9bd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">63<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a8 y438d wc90 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y438e wc91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Interest o<span class=\"_ _3\"></span>n financing de<span class=\"_ _3\"></span>bt<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee4 y438f wc92 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">11<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12a9 y438f w87e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4390 wc93 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Impairm<span class=\"_ _3\"></span>ent (<span class=\"_ _0\"></span>cre<span class=\"_ _3\"></span>dit)<span class=\"_ _0\"></span>/ charge o<span class=\"_ _3\"></span>n loans<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12aa y4391 wc94 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">(11<span class=\"_ _3\"></span>.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ab y4391 wc95 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">48.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4392 wbe1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Administrati<span class=\"_ _3\"></span>ve expens<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ac y4393 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ad y4393 w534 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4394 w8e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsf6 ws77\">Provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ae y4395 wc96 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">2.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12af y4395 we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4396 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents \u2013 subo<span class=\"_ _3\"></span>rdinated </td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4397 ff2 fs6 fc4 sc0 ls0 ws0\">liabilities an<span class=\"_ _3\"></span>d senior note<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></td><td class=\"c n x12b0 y4398 w82f hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b1 y4398 w489 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4399 wc97 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Net exp<span class=\"_ _3\"></span>ense on de<span class=\"_ _3\"></span>rivative fin<span class=\"_ _3\"></span>ancial instrum<span class=\"_ _3\"></span>ents \u2013 stru<span class=\"_ _3\"></span>ctural hedg<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b2 y439a wc98 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">3.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b3 y439a w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y439b wc99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Fair value los<span class=\"_ _3\"></span>ses on fin<span class=\"_ _3\"></span>ancial instr<span class=\"_ _3\"></span>uments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b4 y439c wc9a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b5 y439c w68e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y439d wc9b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b6 y439e wc9c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b7 y439e wc9d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y439f wc9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal adjus<span class=\"_ _3\"></span>tments f<span class=\"_ _3\"></span>or non-<span class=\"_ _3\"></span>cas<span class=\"_ _3\"></span>h and othe<span class=\"_ _3\"></span>r items<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb2 y439f w8fe hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">246.0</div></td><td class=\"c n x12b8 y439f wc9f hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls28 ws43\">2<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y43a0 ff1 fs6 fc4 sc0 ls0 ws0\">Chang<span class=\"_ _3\"></span>es in ope<span class=\"_ _3\"></span>rating as<span class=\"_ _3\"></span>sets and li<span class=\"_ _3\"></span>abilities<span class=\"_ _164\"> </span><span class=\"fs0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x248 y43a1 wca0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">De<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to credit instituti<span class=\"_ _3\"></span>ons<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12b9 y43a2 wca1 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">125.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ba y43a2 wca2 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">112.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y43a3 wca3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Incre<span class=\"_ _3\"></span>ase in lo<span class=\"_ _3\"></span>ans and advanc<span class=\"_ _3\"></span>es to custom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 x12bb h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12bc y43a4 wca4 hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf2 wsee\">(13<span class=\"_ _3\"></span>5.0)</div></td><td class=\"c n x12bd y43a4 wba5 hbb\"><div class=\"t m1 x247 h2 y3d8e ff2 fs0 fc4 sc0 lsd8 ws5c\">(2,<span class=\"_ _3\"></span>20<span class=\"_ _3\"></span>0.5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43a5 wca5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Incre<span class=\"_ _3\"></span>ase in amount<span class=\"_ _3\"></span>s owed to retail dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12be y43a6 wca6 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">1,693.7</div></td><td class=\"c n x12bf y43a6 wca7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,370.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43a7 wca8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">De<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in cash co<span class=\"_ _3\"></span>llateral and margin rec<span class=\"_ _3\"></span>eive<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c0 y43a8 wca9 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc5 wsc3\">(5<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>8)</div></td><td class=\"c n x12c1 y43a8 wcaa hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">(3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43a9 wcab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Net de<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e/<span class=\"_ _0\"></span>(increa<span class=\"_ _3\"></span>se<span class=\"_ _0\"></span>) in othe<span class=\"_ _3\"></span>r asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c2 y43aa wcac hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c3 y43aa wcad hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls29 wsca\">(12<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43ab wcae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Net de<span class=\"_ _3\"></span>creas<span class=\"_ _3\"></span>e in derivati<span class=\"_ _3\"></span>ves and he<span class=\"_ _3\"></span>dged i<span class=\"_ _3\"></span>tems<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c4 y43ac w101 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c5 y43ac wcaf hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(23<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43ad wcb0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>rease/<span class=\"_ _0\"></span>(decrea<span class=\"_ _3\"></span>se<span class=\"_ _0\"></span>) in amo<span class=\"_ _3\"></span>unts owed to other cu<span class=\"_ _3\"></span>stomer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c6 y43ae wcb1 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">41<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c7 y43ae wcb2 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43af wcb3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>rease in othe<span class=\"_ _3\"></span>r liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x111f y43b0 wcb4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c8 y43b0 wcb5 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43b1 wcb6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Exchange diff<span class=\"_ _3\"></span>erence<span class=\"_ _3\"></span>s on working c<span class=\"_ _3\"></span>apital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12c9 y43b2 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ca y43b2 wcb7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(0.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wcb8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal chan<span class=\"_ _3\"></span>ges in op<span class=\"_ _3\"></span>erating as<span class=\"_ _3\"></span>sets an<span class=\"_ _3\"></span>d liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12cb y3d5a wcb9 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _0\"></span>,691.0</div></td><td class=\"c n x12cc y3d5a w980 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs751\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The m<span class=\"_ _3\"></span>ovem<span class=\"_ _3\"></span>ent in l<span class=\"_ _3\"></span>oans a<span class=\"_ _3\"></span>nd ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers h<span class=\"_ _3\"></span>as be<span class=\"_ _3\"></span>en ad<span class=\"_ _3\"></span>juste<span class=\"_ _3\"></span>d to refl<span class=\"_ _3\"></span>ect th<span class=\"_ _3\"></span>e effe<span class=\"_ _3\"></span>ct of \u00a37<span class=\"_ _3\"></span>86.1m (2023: nil<span class=\"_ _3\"></span>) </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs752\">of no<span class=\"_ _3\"></span>n-ca<span class=\"_ _3\"></span>sh con<span class=\"_ _3\"></span>side<span class=\"_ _3\"></span>rati<span class=\"_ _3\"></span>on rec<span class=\"_ _3\"></span>eiv<span class=\"_ _3\"></span>ed ini<span class=\"_ _3\"></span>tially a<span class=\"_ _3\"></span>s par<span class=\"_ _3\"></span>t of th<span class=\"_ _3\"></span>e PMF 20<span class=\"_ _3\"></span>24-1 sec<span class=\"_ _3\"></span>uriti<span class=\"_ _3\"></span>sati<span class=\"_ _3\"></span>on. Th<span class=\"_ _3\"></span>e clas<span class=\"_ _3\"></span>sific<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n of the<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs753\">cas<span class=\"_ _3\"></span>h<span class=\"_ gs378\"> </span>con<span class=\"_ _3\"></span>side<span class=\"_ _3\"></span>rati<span class=\"_ _3\"></span>on rec<span class=\"_ _3\"></span>eiv<span class=\"_ _3\"></span>ed, in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>ed in th<span class=\"_ _3\"></span>e move<span class=\"_ _3\"></span>ment, r<span class=\"_ _3\"></span>efle<span class=\"_ _3\"></span>cts th<span class=\"_ _3\"></span>e ope<span class=\"_ _3\"></span>ratin<span class=\"_ _3\"></span>g natur<span class=\"_ _3\"></span>e of the as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s sol<span class=\"_ _3\"></span>d.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws185 gs55d\">38. Share <span class=\"_ _1\"></span>capital<span class=\"_ _35a\"> </span></div><div class=\"gs4b5\"><table class=\"s w754 h113\" id=\"_bec77e2e-1424-4c63-b54f-417b5e61a9eb\"><tr><td></td><td class=\"t m1 x767 h21 y411e ff1 fs5 fc5 sc0 ls0 ws0\">Number of shares </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6f4 h21 y411f ff1 fs5 fc5 sc0 ls0 ws0\">issued and </td><td class=\"t m1 x2f2 h21 y411f ff1 fs5 fc5 sc0 ls0 ws0\">Nominal value<span class=\"_ _35a\"> </span></td><td class=\"t m1 xaa3 h21 y411f ff1 fs5 fc5 sc0 ls0 ws0\">Premium<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">Ordinary shares<span class=\"_ _35a\"> </span></td><td class=\"t m1 x857 h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">fully<span class=\"_ gs4b0\"> </span>paid<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4121 wbd hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa4 y4121 w755 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">429<span class=\"_ _0\"></span>,868,6<span class=\"_ _0\"></span>25<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa5 y4121 w756 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa6 y4121 w523 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4122 w757 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Shares c<span class=\"_ _3\"></span>ancell<span class=\"_ _3\"></span>ed under re<span class=\"_ _3\"></span>purchase p<span class=\"_ _3\"></span>rogramme<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa7 y4122 w758 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">(38,243,031)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa8 y4122 w14b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa9 y4122 w6d4 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4123 ff2 fs6 fc4 sc0 lsc4 ws26\">Shares issued u<span class=\"_ _0\"></span>nder OSBG employee </td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4124 w759 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">share<span class=\"_ gs2a\"> </span>plan<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaaa y4124 w75a hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1,5<span class=\"_ _3\"></span>62,087<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaab y4124 w6d4 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaac y4124 w75b hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4125 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaad y4125 w75c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">393,1<span class=\"_ _0\"></span>87<span class=\"_ _2\"></span>,681<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaae y4125 w1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaaf y4125 wa9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4126 w757 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Shares c<span class=\"_ _3\"></span>ancell<span class=\"_ _3\"></span>ed under re<span class=\"_ _3\"></span>purchase p<span class=\"_ _3\"></span>rogramme<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab0 y4039 w75d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">(22<span class=\"_ _3\"></span>,59<span class=\"_ _3\"></span>5,99<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab1 y4039 w75e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2c ws2b\">(0<span class=\"_ _3\"></span>.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab2 y4039 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4127 ff2 fs6 fc4 sc0 lsc4 ws26\">Shares issued u<span class=\"_ _0\"></span>nder OSBG employee </td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4128 w759 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">share<span class=\"_ gs2a\"> </span>plan<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab3 y3d58 w75f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,55<span class=\"_ _3\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab4 y3d58 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab5 y3d58 w646 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab6 y3d5a w760 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">37<span class=\"_ _0\"></span>2<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>145,792<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab7 y3d5a w761 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab8 y3d5a w762 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4.5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4bb\">The Group commenced a share r<span class=\"_ _0\"></span>epurchase progr<span class=\"_ _0\"></span>amme on 14 March 2024 (202<span class=\"_ _0\"></span>3: 17 March </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4bc\">2023) which allo<span class=\"_ _0\"></span>wed the Group t<span class=\"_ _0\"></span>o repurchase a maximum of 43<span class=\"_ _0\"></span>,024<span class=\"_ _0\"></span>,3<span class=\"_ _0\"></span>75 shares (2<span class=\"_ _0\"></span>023: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4bd\">43,<span class=\"_ _0\"></span>024<span class=\"_ _0\"></span>,375 shar<span class=\"_ _0\"></span>es), restrict<span class=\"_ _0\"></span>ed by a total cos<span class=\"_ _0\"></span>t of \u00a350.<span class=\"_ _0\"></span>0m (2<span class=\"_ _0\"></span>023: \u00a3150.<span class=\"_ _0\"></span>0m). On completion, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs55e\">11,<span class=\"_ _2\"></span>988,623 shar<span class=\"_ _0\"></span>es (2023: 38,243<span class=\"_ _0\"></span>,031), r<span class=\"_ _0\"></span>epresenting 3<span class=\"_ _0\"></span>.0% (2<span class=\"_ _0\"></span>023: 8.<span class=\"_ _2\"></span>9%) of the issued share </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs55f\">capital, w<span class=\"_ _0\"></span>ere repurchased and c<span class=\"_ _0\"></span>ancelled at an average price o<span class=\"_ _0\"></span>f \u00a34.<span class=\"_ _0\"></span>17 (<span class=\"_ _0\"></span>2023: \u00a33.<span class=\"_ _2\"></span>92) per share </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs560\">and a total cos<span class=\"_ _0\"></span>t of \u00a350<span class=\"_ _0\"></span>.0m (2<span class=\"_ _0\"></span>023: \u00a3150.<span class=\"_ _0\"></span>0m) ex<span class=\"_ _0\"></span>cluding transaction cost<span class=\"_ _0\"></span>s. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs4c1\">The Group commenced a further share repur<span class=\"_ _0\"></span>chase programme on 6 September 2<span class=\"_ _0\"></span>024<span class=\"_ _0\"></span>. As at </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs561\">31 December 2024<span class=\"_ _0\"></span>, 10<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>21,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>71 shares were r<span class=\"_ _0\"></span>epurchased at an aver<span class=\"_ _0\"></span>age price of \u00a33.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>6 per share </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs562\">and total cos<span class=\"_ _0\"></span>t of \u00a340<span class=\"_ _0\"></span>.3m, of which 10<span class=\"_ _0\"></span>,607<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>373 shar<span class=\"_ _0\"></span>es have been cancelled repr<span class=\"_ _0\"></span>esenting 2.7% </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs563\">of the issued share c<span class=\"_ _0\"></span>apital. The programme allo<span class=\"_ _0\"></span>ws the Group to r<span class=\"_ _0\"></span>epurchase a maximum of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs564\">39<span class=\"_ _2\"></span>,358,310 shar<span class=\"_ _0\"></span>es, res<span class=\"_ _0\"></span>tricted by a total cos<span class=\"_ _0\"></span>t of \u00a350<span class=\"_ _0\"></span>.0m e<span class=\"_ _0\"></span>xcluding transaction cos<span class=\"_ _0\"></span>ts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs565\">The holders of or<span class=\"_ _0\"></span>dinary shares are en<span class=\"_ _0\"></span>titled to receive dividends as declar<span class=\"_ _0\"></span>ed from time to time, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs566\">and are entitled t<span class=\"_ _0\"></span>o one vote per share at meetings o<span class=\"_ _0\"></span>f the Company. All ordinary shares r<span class=\"_ _0\"></span>ank </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs567\">equally with regar<span class=\"_ _0\"></span>d to the Company\u2019<span class=\"_ _0\"></span>s r<span class=\"_ _0\"></span>esidual assets.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs568\">All ordinary shar<span class=\"_ _0\"></span>es issued in the current and prior year w<span class=\"_ _0\"></span>ere fully paid.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-515": {
   "value": "38. Share <span class=\"_ _1\"></span>capital<span class=\"_ _35a\"> </span><table class=\"s w754 h113\" id=\"_bec77e2e-1424-4c63-b54f-417b5e61a9eb\"><tr><td></td><td class=\"t m1 x767 h21 y411e ff1 fs5 fc5 sc0 ls0 ws0\">Number of shares </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6f4 h21 y411f ff1 fs5 fc5 sc0 ls0 ws0\">issued and </td><td class=\"t m1 x2f2 h21 y411f ff1 fs5 fc5 sc0 ls0 ws0\">Nominal value<span class=\"_ _35a\"> </span></td><td class=\"t m1 xaa3 h21 y411f ff1 fs5 fc5 sc0 ls0 ws0\">Premium<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">Ordinary shares<span class=\"_ _35a\"> </span></td><td class=\"t m1 x857 h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">fully<span class=\"_ gs4b0\"> </span>paid<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4120 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4121 wbd hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa4 y4121 w755 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">429<span class=\"_ _0\"></span>,868,6<span class=\"_ _0\"></span>25<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa5 y4121 w756 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa6 y4121 w523 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4122 w757 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Shares c<span class=\"_ _3\"></span>ancell<span class=\"_ _3\"></span>ed under re<span class=\"_ _3\"></span>purchase p<span class=\"_ _3\"></span>rogramme<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa7 y4122 w758 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">(38,243,031)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa8 y4122 w14b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaa9 y4122 w6d4 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4123 ff2 fs6 fc4 sc0 lsc4 ws26\">Shares issued u<span class=\"_ _0\"></span>nder OSBG employee </td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4124 w759 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">share<span class=\"_ gs2a\"> </span>plan<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaaa y4124 w75a hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1,5<span class=\"_ _3\"></span>62,087<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaab y4124 w6d4 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaac y4124 w75b hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4125 wea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">As at 31 D<span class=\"_ _3\"></span>ece<span class=\"_ _3\"></span>mber 2023<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaad y4125 w75c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">393,1<span class=\"_ _0\"></span>87<span class=\"_ _2\"></span>,681<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaae y4125 w1f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaaf y4125 wa9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4126 w757 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Shares c<span class=\"_ _3\"></span>ancell<span class=\"_ _3\"></span>ed under re<span class=\"_ _3\"></span>purchase p<span class=\"_ _3\"></span>rogramme<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab0 y4039 w75d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">(22<span class=\"_ _3\"></span>,59<span class=\"_ _3\"></span>5,99<span class=\"_ _3\"></span>6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab1 y4039 w75e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2c ws2b\">(0<span class=\"_ _3\"></span>.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab2 y4039 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4127 ff2 fs6 fc4 sc0 lsc4 ws26\">Shares issued u<span class=\"_ _0\"></span>nder OSBG employee </td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4128 w759 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">share<span class=\"_ gs2a\"> </span>plan<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab3 y3d58 w75f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,55<span class=\"_ _3\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab4 y3d58 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab5 y3d58 w646 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er 2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab6 y3d5a w760 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">37<span class=\"_ _0\"></span>2<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>145,792<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab7 y3d5a w761 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab8 y3d5a w762 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4.5<span class=\"_ _35a\"> </span></div></td></tr></table>The Group commenced a share r<span class=\"_ _0\"></span>epurchase progr<span class=\"_ _0\"></span>amme on 14 March 2024 (202<span class=\"_ _0\"></span>3: 17 March 2023) which allo<span class=\"_ _0\"></span>wed the Group t<span class=\"_ _0\"></span>o repurchase a maximum of 43<span class=\"_ _0\"></span>,024<span class=\"_ _0\"></span>,3<span class=\"_ _0\"></span>75 shares (2<span class=\"_ _0\"></span>023: 43,<span class=\"_ _0\"></span>024<span class=\"_ _0\"></span>,375 shar<span class=\"_ _0\"></span>es), restrict<span class=\"_ _0\"></span>ed by a total cos<span class=\"_ _0\"></span>t of \u00a350.<span class=\"_ _0\"></span>0m (2<span class=\"_ _0\"></span>023: \u00a3150.<span class=\"_ _0\"></span>0m). On completion, 11,<span class=\"_ _2\"></span>988,623 shar<span class=\"_ _0\"></span>es (2023: 38,243<span class=\"_ _0\"></span>,031), r<span class=\"_ _0\"></span>epresenting 3<span class=\"_ _0\"></span>.0% (2<span class=\"_ _0\"></span>023: 8.<span class=\"_ _2\"></span>9%) of the issued share capital, w<span class=\"_ _0\"></span>ere repurchased and c<span class=\"_ _0\"></span>ancelled at an average price o<span class=\"_ _0\"></span>f \u00a34.<span class=\"_ _0\"></span>17 (<span class=\"_ _0\"></span>2023: \u00a33.<span class=\"_ _2\"></span>92) per share and a total cos<span class=\"_ _0\"></span>t of \u00a350<span class=\"_ _0\"></span>.0m (2<span class=\"_ _0\"></span>023: \u00a3150.<span class=\"_ _0\"></span>0m) ex<span class=\"_ _0\"></span>cluding transaction cost<span class=\"_ _0\"></span>s. The Group commenced a further share repur<span class=\"_ _0\"></span>chase programme on 6 September 2<span class=\"_ _0\"></span>024<span class=\"_ _0\"></span>. As at 31 December 2024<span class=\"_ _0\"></span>, 10<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>21,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>71 shares were r<span class=\"_ _0\"></span>epurchased at an aver<span class=\"_ _0\"></span>age price of \u00a33.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>6 per share and total cos<span class=\"_ _0\"></span>t of \u00a340<span class=\"_ _0\"></span>.3m, of which 10<span class=\"_ _0\"></span>,607<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>373 shar<span class=\"_ _0\"></span>es have been cancelled repr<span class=\"_ _0\"></span>esenting 2.7% of the issued share c<span class=\"_ _0\"></span>apital. The programme allo<span class=\"_ _0\"></span>ws the Group to r<span class=\"_ _0\"></span>epurchase a maximum of 39<span class=\"_ _2\"></span>,358,310 shar<span class=\"_ _0\"></span>es, res<span class=\"_ _0\"></span>tricted by a total cos<span class=\"_ _0\"></span>t of \u00a350<span class=\"_ _0\"></span>.0m e<span class=\"_ _0\"></span>xcluding transaction cos<span class=\"_ _0\"></span>ts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The holders of or<span class=\"_ _0\"></span>dinary shares are en<span class=\"_ _0\"></span>titled to receive dividends as declar<span class=\"_ _0\"></span>ed from time to time, and are entitled t<span class=\"_ _0\"></span>o one vote per share at meetings o<span class=\"_ _0\"></span>f the Company. All ordinary shares r<span class=\"_ _0\"></span>ank equally with regar<span class=\"_ _0\"></span>d to the Company\u2019<span class=\"_ _0\"></span>s r<span class=\"_ _0\"></span>esidual assets.<span class=\"_ _35a\"> </span>All ordinary shar<span class=\"_ _0\"></span>es issued in the current and prior year w<span class=\"_ _0\"></span>ere fully paid.<span class=\"_ _35a\"> </span>39<span class=\"_ _2\"></span>. <span class=\"_ _3\"></span>Other equity instruments<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other equity ins<span class=\"_ _0\"></span>truments are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span><table class=\"s w441 h114\" id=\"_a71047b1-bb8c-4607-9e20-32a5d2b88661\"><tr><td></td><td class=\"t m1 x2c8 h21 y4129 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4129 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y412a ff1 fs5 fc5 sc0 ls0 ws0\">Additional Tier 1 securities<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cb h21 y412a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y412a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d5a w763 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">6% Perpetual sub<span class=\"_ _3\"></span>ordinated c<span class=\"_ _3\"></span>ontingent co<span class=\"_ _3\"></span>nvertibl<span class=\"_ _3\"></span>e secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab9 y3dd0 w764 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">15<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaba y3d5a w765 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls1f ws61\">15<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr></table>A<span class=\"_ _0\"></span>T1 Sec<span class=\"_ _3\"></span>urities<span class=\"_ _35a\"> </span>On 5 October 2021, OSB<span class=\"_ _0\"></span>G issued A<span class=\"_ _0\"></span>T1 securities which comprise \u00a3150.<span class=\"_ _0\"></span>0m of Fix<span class=\"_ _0\"></span>ed Rate Resetting Perpetual Subordinat<span class=\"_ _0\"></span>ed Contingent Conv<span class=\"_ _0\"></span>er<span class=\"_ _3\"></span>tible Securities that qualify as A<span class=\"_ _0\"></span>T1 capit<span class=\"_ _0\"></span>al under CRD IV<span class=\"_ _2\"></span>. The securities will be subje<span class=\"_ _3\"></span>ct to full con<span class=\"_ _0\"></span>version in<span class=\"_ _0\"></span>to ordinary shares o<span class=\"_ _0\"></span>f OSBG in the ev<span class=\"_ _0\"></span>ent that the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Common Equity Tier 1 (CE<span class=\"_ _0\"></span>T1) capital ratio falls belo<span class=\"_ _0\"></span>w 7%. The securities pay interes<span class=\"_ _0\"></span>t at a rate o<span class=\"_ _0\"></span>f 6% per annum until the firs<span class=\"_ _0\"></span>t reset date of 7 April 2<span class=\"_ _0\"></span>027<span class=\"_ _2\"></span>, with the reset int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate equal to 539<span class=\"_ _2\"></span>.3 basis points o<span class=\"_ _0\"></span>ver the 5-year Gilt Rat<span class=\"_ _0\"></span>e (benchmark gilt) for such a period. Interes<span class=\"_ _0\"></span>t is paid semi-<span class=\"_ _35a\"> </span>annually in April and October<span class=\"_ _0\"></span>. OSBG may, at any time<span class=\"_ _0\"></span>, cancel any interes<span class=\"_ _0\"></span>t payment at its full discretion and mus<span class=\"_ _0\"></span>t cancel inter<span class=\"_ _0\"></span>est payments in certain circums<span class=\"_ _0\"></span>tances specified in the terms and conditions of the securities<span class=\"_ _0\"></span>. The securities are perpetual with no fixe<span class=\"_ _0\"></span>d redemption date. O<span class=\"_ _0\"></span>SBG may at its option, redeem the Securities, in whole but not in part, (i) on any day falling in the period commencing on (<span class=\"_ _0\"></span>and including) 7 October 202<span class=\"_ _0\"></span>6 and ending on (and including) the Firs<span class=\"_ _0\"></span>t Reset Date or (ii) on any Reset Date thereafter at 100 per cent. o<span class=\"_ _0\"></span>f their principal amount, together with any accrued but unpaid inter<span class=\"_ _0\"></span>est (which e<span class=\"_ _0\"></span>xcludes any interes<span class=\"_ _0\"></span>t cancelled or deemed cancelled as described abo<span class=\"_ _0\"></span>ve) t<span class=\"_ _0\"></span>o (but ex<span class=\"_ _0\"></span>cluding) the date fixed for r<span class=\"_ _0\"></span>edemption.<span class=\"_ _35a\"> </span>40. Other <span class=\"_ _1\"></span>reserves<span class=\"_ _35a\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other reserves ar<span class=\"_ _0\"></span>e as follows:<span class=\"_ _35a\"> </span><table class=\"s w766 h115\" id=\"_d2dd3c98-e223-4c61-9069-91b0a59bfc4d\"><tr><td></td><td class=\"t m1 x2c8 h21 y412b ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y412b ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y412c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y412c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w767 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayment<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabb y3fb1 w768 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">16.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabc y3d4f w769 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">1<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w76a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Capital re<span class=\"_ _3\"></span>demption &amp; transf<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabd y3fb2 w76b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsd4 ws24\">(1,354.<span class=\"_ _0\"></span>5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabe y3d51 waf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(1,3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w76c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Ow<span class=\"_ _3\"></span>n shares<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabf y4066 w76d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3fd3 w76e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">(1.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w76f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac1 y3fe6 w770 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x411 y3fd5 w771 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w772 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Foreign exchang<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac2 y3fb5 w773 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">(2<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac3 y3d58 w774 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">(2<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xac4 y3f5f wb3 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls14 ws12\">(1,<span class=\"_ _3\"></span>341.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac5 y3d5a w775 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">(1,343.<span class=\"_ _2\"></span>4)<span class=\"_ _35a\"> </span></div></td></tr></table>Capita<span class=\"_ _0\"></span>l redemption<span class=\"_ _0\"></span> and transfer<span class=\"_ _0\"></span> reser<span class=\"_ _3\"></span>ve<span class=\"_ _35a\"> </span>The capital re<span class=\"_ _0\"></span>demption reserve represent<span class=\"_ _0\"></span>s the shares cancelled through the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s shar<span class=\"_ _0\"></span>e repurchase pr<span class=\"_ _0\"></span>ogramme<span class=\"_ _0\"></span>. On 27 Nov<span class=\"_ _0\"></span>ember 2020<span class=\"_ _0\"></span>, a new ultimate par<span class=\"_ _0\"></span>ent company was inserted int<span class=\"_ _0\"></span>o the Group, being OSBG<span class=\"_ _0\"></span>. The share capital gener<span class=\"_ _0\"></span>ated from issuing 44<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>,304<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>198 nominal shares at \u00a33<span class=\"_ _0\"></span>.04 per share<span class=\"_ _0\"></span>, replacing the nominal shares of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 in OSB pre<span class=\"_ _0\"></span>viously recognised in share capital at the consolidation lev<span class=\"_ _0\"></span>el, created a tr<span class=\"_ _0\"></span>ansfer reserve of \u00a31,355<span class=\"_ _0\"></span>.3m. Ow<span class=\"_ _3\"></span>n shares<span class=\"_ _35a\"> </span>The Company has adopted the look<span class=\"_ _0\"></span>-through approach f<span class=\"_ _0\"></span>or the EBT<span class=\"_ _2\"></span>, including the EBT within the Company. As at 31 December 2024<span class=\"_ _0\"></span>, the EBT held 134<span class=\"_ _0\"></span>,34<span class=\"_ _0\"></span>9 OSBG shares (2<span class=\"_ _0\"></span>023: 188,<span class=\"_ _0\"></span>106 OSBG shares). The Gr<span class=\"_ _0\"></span>oup and Company show these shares as a deduction fr<span class=\"_ _0\"></span>om equity, being<span class=\"_ gs2a\"> </span>the cost at which the shar<span class=\"_ _0\"></span>es were acquir<span class=\"_ _0\"></span>ed of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a31.<span class=\"_ _0\"></span>0m).<span class=\"_ _35a\"> </span>FVOCI reserve<span class=\"_ _35a\"> </span>The FVOCI r<span class=\"_ _0\"></span>eser<span class=\"_ _3\"></span>v<span class=\"_ _0\"></span>e represents the cumulativ<span class=\"_ _0\"></span>e net change in the fair value of in<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>tment securities measured at FV<span class=\"_ _0\"></span>OCI. Foreign ex<span class=\"_ _0\"></span>change reser<span class=\"_ _3\"></span>ve<span class=\"_ _35a\"> </span>The foreign e<span class=\"_ _0\"></span>xchange reserve relat<span class=\"_ _0\"></span>es to the revaluation o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Indian subsidiary, OSB<span class=\"_ gs2a\"> </span>India Private Limit<span class=\"_ _0\"></span>ed. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs56a\">39<span class=\"_ _2\"></span>. <span class=\"_ _3\"></span>Other equity instruments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs56b\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other equity ins<span class=\"_ _0\"></span>truments are as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"gs52a\"><table class=\"s w441 h114\" id=\"_a71047b1-bb8c-4607-9e20-32a5d2b88661\"><tr><td></td><td class=\"t m1 x2c8 h21 y4129 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4129 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y412a ff1 fs5 fc5 sc0 ls0 ws0\">Additional Tier 1 securities<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cb h21 y412a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y412a ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d5a w763 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">6% Perpetual sub<span class=\"_ _3\"></span>ordinated c<span class=\"_ _3\"></span>ontingent co<span class=\"_ _3\"></span>nvertibl<span class=\"_ _3\"></span>e secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab9 y3dd0 w764 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">15<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaba y3d5a w765 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls1f ws61\">15<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs56c\">A<span class=\"_ _0\"></span>T1 Sec<span class=\"_ _3\"></span>urities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs56d\">On 5 October 2021, OSB<span class=\"_ _0\"></span>G issued A<span class=\"_ _0\"></span>T1 securities which comprise \u00a3150.<span class=\"_ _0\"></span>0m of Fix<span class=\"_ _0\"></span>ed Rate Resetting </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs56e\">Perpetual Subordinat<span class=\"_ _0\"></span>ed Contingent Conv<span class=\"_ _0\"></span>er<span class=\"_ _3\"></span>tible Securities that qualify as A<span class=\"_ _0\"></span>T1 capit<span class=\"_ _0\"></span>al under CRD </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs56f\">IV<span class=\"_ _2\"></span>. The securities will be subje<span class=\"_ _3\"></span>ct to full con<span class=\"_ _0\"></span>version in<span class=\"_ _0\"></span>to ordinary shares o<span class=\"_ _0\"></span>f OSBG in the ev<span class=\"_ _0\"></span>ent that </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs570\">the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Common Equity Tier 1 (CE<span class=\"_ _0\"></span>T1) capital ratio falls belo<span class=\"_ _0\"></span>w 7%. The securities pay interes<span class=\"_ _0\"></span>t at </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs571\">a rate o<span class=\"_ _0\"></span>f 6% per annum until the firs<span class=\"_ _0\"></span>t reset date of 7 April 2<span class=\"_ _0\"></span>027<span class=\"_ _2\"></span>, with the reset int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate equal to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs572\">539<span class=\"_ _2\"></span>.3 basis points o<span class=\"_ _0\"></span>ver the 5-year Gilt Rat<span class=\"_ _0\"></span>e (benchmark gilt) for such a period. Interes<span class=\"_ _0\"></span>t is paid semi-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs573\">annually in April and October<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs574\">OSBG may, at any time<span class=\"_ _0\"></span>, cancel any interes<span class=\"_ _0\"></span>t payment at its full discretion and mus<span class=\"_ _0\"></span>t cancel </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs575\">inter<span class=\"_ _0\"></span>est payments in certain circums<span class=\"_ _0\"></span>tances specified in the terms and conditions of the securities<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs576\">The securities are perpetual with no fixe<span class=\"_ _0\"></span>d redemption date. O<span class=\"_ _0\"></span>SBG may at its option, redeem </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs577\">the Securities, in whole but not in part, (i) on any day falling in the period commencing on (<span class=\"_ _0\"></span>and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs578\">including) 7 October 202<span class=\"_ _0\"></span>6 and ending on (and including) the Firs<span class=\"_ _0\"></span>t Reset Date or (ii) on any Reset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs579\">Date thereafter at 100 per cent. o<span class=\"_ _0\"></span>f their principal amount, together with any accrued but unpaid </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs57a\">inter<span class=\"_ _0\"></span>est (which e<span class=\"_ _0\"></span>xcludes any interes<span class=\"_ _0\"></span>t cancelled or deemed cancelled as described abo<span class=\"_ _0\"></span>ve) t<span class=\"_ _0\"></span>o (but </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs57b\">ex<span class=\"_ _0\"></span>cluding) the date fixed for r<span class=\"_ _0\"></span>edemption.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws186 gs57c\">40. Other <span class=\"_ _1\"></span>reserves<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs57d\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other reserves ar<span class=\"_ _0\"></span>e as follows:<span class=\"_ _35a\"> </span></div><div class=\"gs57e\"><table class=\"s w766 h115\" id=\"_d2dd3c98-e223-4c61-9069-91b0a59bfc4d\"><tr><td></td><td class=\"t m1 x2c8 h21 y412b ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y412b ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y412c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y412c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w767 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayment<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabb y3fb1 w768 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">16.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabc y3d4f w769 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">1<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w76a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Capital re<span class=\"_ _3\"></span>demption &amp; transf<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabd y3fb2 w76b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsd4 ws24\">(1,354.<span class=\"_ _0\"></span>5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabe y3d51 waf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(1,3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w76c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Ow<span class=\"_ _3\"></span>n shares<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabf y4066 w76d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3fd3 w76e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">(1.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w76f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac1 y3fe6 w770 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x411 y3fd5 w771 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w772 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Foreign exchang<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac2 y3fb5 w773 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">(2<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac3 y3d58 w774 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">(2<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xac4 y3f5f wb3 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls14 ws12\">(1,<span class=\"_ _3\"></span>341.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac5 y3d5a w775 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">(1,343.<span class=\"_ _2\"></span>4)<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs580\">Capita<span class=\"_ _0\"></span>l redemption<span class=\"_ _0\"></span> and transfer<span class=\"_ _0\"></span> reser<span class=\"_ _3\"></span>ve<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs581\">The capital re<span class=\"_ _0\"></span>demption reserve represent<span class=\"_ _0\"></span>s the shares cancelled through the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s shar<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs582\">repurchase pr<span class=\"_ _0\"></span>ogramme<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs583\">On 27 Nov<span class=\"_ _0\"></span>ember 2020<span class=\"_ _0\"></span>, a new ultimate par<span class=\"_ _0\"></span>ent company was inserted int<span class=\"_ _0\"></span>o the Group, being </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs584\">OSBG<span class=\"_ _0\"></span>. The share capital gener<span class=\"_ _0\"></span>ated from issuing 44<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>,304<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>198 nominal shares at \u00a33<span class=\"_ _0\"></span>.04 per </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs585\">share<span class=\"_ _0\"></span>, replacing the nominal shares of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>01 in OSB pre<span class=\"_ _0\"></span>viously recognised in share capital at </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs586\">the consolidation lev<span class=\"_ _0\"></span>el, created a tr<span class=\"_ _0\"></span>ansfer reserve of \u00a31,355<span class=\"_ _0\"></span>.3m. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs587\">Ow<span class=\"_ _3\"></span>n shares<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs588\">The Company has adopted the look<span class=\"_ _0\"></span>-through approach f<span class=\"_ _0\"></span>or the EBT<span class=\"_ _2\"></span>, including the EBT within </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs589\">the Company. As at 31 December 2024<span class=\"_ _0\"></span>, the EBT held 134<span class=\"_ _0\"></span>,34<span class=\"_ _0\"></span>9 OSBG shares (2<span class=\"_ _0\"></span>023: 188,<span class=\"_ _0\"></span>106 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs58a\">OSBG shares). The Gr<span class=\"_ _0\"></span>oup and Company show these shares as a deduction fr<span class=\"_ _0\"></span>om equity, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs58b\">being<span class=\"_ gs2a\"> </span>the cost at which the shar<span class=\"_ _0\"></span>es were acquir<span class=\"_ _0\"></span>ed of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a31.<span class=\"_ _0\"></span>0m).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs58c\">FVOCI reserve<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs58d\">The FVOCI r<span class=\"_ _0\"></span>eser<span class=\"_ _3\"></span>v<span class=\"_ _0\"></span>e represents the cumulativ<span class=\"_ _0\"></span>e net change in the fair value of in<span class=\"_ _0\"></span>ves<span class=\"_ _0\"></span>tment </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs58e\">securities measured at FV<span class=\"_ _0\"></span>OCI. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls108 ws105 gs58f\">Foreign ex<span class=\"_ _0\"></span>change reser<span class=\"_ _3\"></span>ve<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs590\">The foreign e<span class=\"_ _0\"></span>xchange reserve relat<span class=\"_ _0\"></span>es to the revaluation o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Indian subsidiary, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs591\">OSB<span class=\"_ gs2a\"> </span>India Private Limit<span class=\"_ _0\"></span>ed. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-497": {
   "value": "<table class=\"s w766 h115\" id=\"_d2dd3c98-e223-4c61-9069-91b0a59bfc4d\"><tr><td></td><td class=\"t m1 x2c8 h21 y412b ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y412b ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y412c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y412c ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3d4f w767 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayment<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabb y3fb1 w768 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">16.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabc y3d4f w769 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">1<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w76a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Capital re<span class=\"_ _3\"></span>demption &amp; transf<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabd y3fb2 w76b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsd4 ws24\">(1,354.<span class=\"_ _0\"></span>5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabe y3d51 waf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(1,3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w76c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Ow<span class=\"_ _3\"></span>n shares<span class=\"_ _35a\"> </span></div></td><td class=\"c n xabf y4066 w76d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">(<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3fd3 w76e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">(1.0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w76f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac1 y3fe6 w770 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x411 y3fd5 w771 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w772 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Foreign exchang<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac2 y3fb5 w773 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">(2<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac3 y3d58 w774 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">(2<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xac4 y3f5f wb3 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls14 ws12\">(1,<span class=\"_ _3\"></span>341.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac5 y3d5a w775 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">(1,343.<span class=\"_ _2\"></span>4)<span class=\"_ _35a\"> </span></div></td></tr></table>Ow<span class=\"_ _3\"></span>n shares<span class=\"_ _35a\"> </span>The Company has adopted the look<span class=\"_ _0\"></span>-through approach f<span class=\"_ _0\"></span>or the EBT<span class=\"_ _2\"></span>, including the EBT within the Company. As at 31 December 2024<span class=\"_ _0\"></span>, the EBT held 134<span class=\"_ _0\"></span>,34<span class=\"_ _0\"></span>9 OSBG shares (2<span class=\"_ _0\"></span>023: 188,<span class=\"_ _0\"></span>106 OSBG shares). The Gr<span class=\"_ _0\"></span>oup and Company show these shares as a deduction fr<span class=\"_ _0\"></span>om equity, being<span class=\"_ gs2a\"> </span>the cost at which the shar<span class=\"_ _0\"></span>es were acquir<span class=\"_ _0\"></span>ed of \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a31.<span class=\"_ _0\"></span>0m).<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs593\">41. <span class=\"_ _1\"></span>Financial c<span class=\"_ _3\"></span>ommitments and guar<span class=\"_ _0\"></span>antees<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs594\">a) <span class=\"_ _19\"> </span> <span class=\"_ _23\"></span>The Group had \u00a34<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1m) of contrac<span class=\"_ _0\"></span>ted capital expenditur<span class=\"_ _0\"></span>e commitments not </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs595\">provide<span class=\"_ _0\"></span>d for as at 31 December 2024<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs596\">b) <span class=\"_ _19\"> </span> <span class=\"_ _23\"></span>The Group had \u00a30.<span class=\"_ _0\"></span>1m (<span class=\"_ _0\"></span>2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4m) of minimum le<span class=\"_ _0\"></span>ase commitments under leases for lo<span class=\"_ _0\"></span>w-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs597\">value assets and short-term leases of 12 mon<span class=\"_ _0\"></span>ths or less.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs598\">c)   <span class=\"_ _26\"></span>Undr<span class=\"_ _0\"></span>awn loan facilities:<span class=\"_ _35a\"> </span></div><div class=\"gs599\"><table class=\"s w6c7 h10f\" id=\"_fe3b7acf-d9b1-4ed4-a6a5-6d75ea4b1bc8\"><tr><td></td><td class=\"t m1 x3cd h21 y412d ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y412d ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y412e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y412e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3fd3 w776 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">OSB mortgages<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac6 y4066 w777 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac7 y3fd3 w778 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w779 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">CCFS<span class=\"_ _0\"></span> mor<span class=\"_ _3\"></span>tgages<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac8 y3fe6 w77a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac9 y3fd5 w77b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>91.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w77c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Ass<span class=\"_ _3\"></span>et finance<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaca y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacb y3d58 w77d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xacc y3f5f w77e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">987<span class=\"_ _2\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacd y3d5a w77f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>4<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs59a\">Undra<span class=\"_ _0\"></span>wn loan facilities are appro<span class=\"_ _0\"></span>ved loan applications which hav<span class=\"_ _0\"></span>e not yet been exer<span class=\"_ _0\"></span>cised. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs59b\">They are payable on demand and are usually dr<span class=\"_ _0\"></span>awn down or e<span class=\"_ _0\"></span>xpire within three months<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs59c\">d) <span class=\"_ _19\"> </span> <span class=\"_ _26\"></span>The Group did not hav<span class=\"_ _0\"></span>e any issued financial guarantees as at 3<span class=\"_ _0\"></span>1 Dec<span class=\"_ _3\"></span>ember 2024 (<span class=\"_ _0\"></span>2023: nil).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws187 gs59e\">42. Risk <span class=\"_ _1\"></span>management<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls13b ws13e gs59f\">Ove<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>view<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a0\">Financial instrumen<span class=\"_ _0\"></span>ts form the vas<span class=\"_ _0\"></span>t majority of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s assets and liabilities<span class=\"_ _0\"></span>. The Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a1\">manages risk on a consolidated basis and risk disclosures that f<span class=\"_ _0\"></span>ollow are pr<span class=\"_ _0\"></span>ovided on </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a2\">this<span class=\"_ gs2a\"> </span>basis.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs5a3\">T<span class=\"_ _0\"></span>ypes of f<span class=\"_ _3\"></span>inancial i<span class=\"_ _3\"></span>nstrument<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a4\">Financial instrumen<span class=\"_ _0\"></span>ts are a broad de<span class=\"_ _0\"></span>finition which includes financial assets, financial liabilities </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a5\">and equity instrumen<span class=\"_ _0\"></span>ts. The main financial asset<span class=\"_ _0\"></span>s of the Group are loans t<span class=\"_ _0\"></span>o customers and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a6\">liquid assets<span class=\"_ _0\"></span>, which in turn consist of cash in the BoE call account<span class=\"_ _0\"></span>s, call account<span class=\"_ _0\"></span>s with other </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a7\">credit ins<span class=\"_ _0\"></span>titutions, RMBS<span class=\"_ _0\"></span>, cover<span class=\"_ _0\"></span>ed bonds and UK sov<span class=\"_ _0\"></span>ereign debt. These are funded by a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a8\">combination of financial liabilities and equity ins<span class=\"_ _0\"></span>truments<span class=\"_ _0\"></span>. Financial liability funding comes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5a9\">predominantly fr<span class=\"_ _0\"></span>om retail deposits and dr<span class=\"_ _0\"></span>awdo<span class=\"_ _0\"></span>wns under the BoE TFSME and IL<span class=\"_ _2\"></span>TR, supported </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5aa\">by debt securities, senior not<span class=\"_ _0\"></span>es, subor<span class=\"_ _0\"></span>dinated debts, wholesale and o<span class=\"_ _0\"></span>ther funding. Equity </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ab\">instrumen<span class=\"_ _0\"></span>ts include own shares and A<span class=\"_ _2\"></span>T1 securities meeting the equity classification criteria. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ac\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main activity is mortgage lending; it raises funds or in<span class=\"_ _0\"></span>vest<span class=\"_ _0\"></span>s in par<span class=\"_ _3\"></span>ticular types of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ad\">financial assets to meet cus<span class=\"_ _0\"></span>tomer demand and manage the risk<span class=\"_ _0\"></span>s arising from its operations<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ae\">The Group does not tr<span class=\"_ _0\"></span>ade in financial instruments f<span class=\"_ _0\"></span>or speculative purposes.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5af\">The Group uses derivativ<span class=\"_ _0\"></span>e instrument<span class=\"_ _0\"></span>s to manage its financial risk<span class=\"_ _0\"></span>s. Derivatives ar<span class=\"_ _0\"></span>e used </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b0\">by the<span class=\"_ gs2a\"> </span>Group solely to r<span class=\"_ _0\"></span>educe (hedge) the risk of loss arising from changes in mark<span class=\"_ _0\"></span>et r<span class=\"_ _0\"></span>ates. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b1\">Derivatives ar<span class=\"_ _0\"></span>e not used for speculative purposes<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs5b2\">T<span class=\"_ _0\"></span>ypes of de<span class=\"_ _3\"></span>rivatives an<span class=\"_ _3\"></span>d uses<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b3\">The derivative ins<span class=\"_ _0\"></span>truments used by the Gr<span class=\"_ _0\"></span>oup in managing its risk exposures ar<span class=\"_ _0\"></span>e interes<span class=\"_ _0\"></span>t </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b4\">rate s<span class=\"_ _0\"></span>waps<span class=\"_ _0\"></span>. Interes<span class=\"_ _0\"></span>t rate s<span class=\"_ _0\"></span>waps conv<span class=\"_ _0\"></span>ert fixed inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>es to floating or vice versa. As with </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b5\">other derivativ<span class=\"_ _0\"></span>es, the underlying product is not sold and paymen<span class=\"_ _0\"></span>ts are based on notional </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b6\">principal<span class=\"_ gs2a\"> </span>amounts<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b7\">Unhedged fixe<span class=\"_ _0\"></span>d rate liabilities creat<span class=\"_ _0\"></span>e the risk of paying above-the-mark<span class=\"_ _0\"></span>et r<span class=\"_ _0\"></span>ate if inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>es </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b8\">subsequently decre<span class=\"_ _0\"></span>ase. Unhedged fixe<span class=\"_ _0\"></span>d rate mortgages and liquid assets bear the opposite </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5b9\">risk of income belo<span class=\"_ _0\"></span>w-the-mark<span class=\"_ _0\"></span>et rat<span class=\"_ _0\"></span>e when rates go up. While fix<span class=\"_ _0\"></span>ed rate asset<span class=\"_ _0\"></span>s and liabilities </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ba\">naturally hedge e<span class=\"_ _0\"></span>ach other to a certain extent, this hedge is usually ne<span class=\"_ _0\"></span>ver perfect because of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5bb\">maturity mismatches and principal amounts<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5bc\">The Group uses sw<span class=\"_ _0\"></span>aps to conv<span class=\"_ _0\"></span>ert its instruments<span class=\"_ _0\"></span>, such as mortgages, deposits and issued </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5bd\">debt, from fixe<span class=\"_ _0\"></span>d or base rate-link<span class=\"_ _0\"></span>ed r<span class=\"_ _0\"></span>ates to ref<span class=\"_ _0\"></span>erence link<span class=\"_ _0\"></span>ed variable rates<span class=\"_ _0\"></span>. This ensures a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5be\">guaran<span class=\"_ _0\"></span>teed margin betw<span class=\"_ _0\"></span>een the interes<span class=\"_ _0\"></span>t income and interes<span class=\"_ _0\"></span>t expense, r<span class=\"_ _0\"></span>egardless of changes </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5bf\">in<span class=\"_ gs2a\"> </span>the mark<span class=\"_ _0\"></span>et rates<span class=\"_ _0\"></span>. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs5c0\">T<span class=\"_ _0\"></span>ypes of ris<span class=\"_ _3\"></span>k<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c1\">The principal financial risk<span class=\"_ _0\"></span>s to which the Group is exposed ar<span class=\"_ _0\"></span>e credit, liquidity and mark<span class=\"_ _0\"></span>et risk<span class=\"_ _0\"></span>s, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c2\">the latter comprising inter<span class=\"_ _0\"></span>est and ex<span class=\"_ _0\"></span>change rate risk. In addition t<span class=\"_ _0\"></span>o financial risks<span class=\"_ _0\"></span>, the Group is </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c3\">exposed to v<span class=\"_ _0\"></span>arious other risks<span class=\"_ _0\"></span>, most not<span class=\"_ _0\"></span>ably operational, conduct and compliance/<span class=\"_ _2\"></span>regulatory, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c4\">which are cov<span class=\"_ _0\"></span>ered in the Risk re<span class=\"_ _0\"></span>view on pages 46 to 6<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs5c6\">Credit risk<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c7\">Credit risk is the risk that losses may arise as a result o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s borro<span class=\"_ _0\"></span>wers or mark<span class=\"_ _0\"></span>et </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c8\">counterparties failing to meet their obligations to r<span class=\"_ _0\"></span>epay.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5c9\">The Group has adopted the S<span class=\"_ _0\"></span>tandardised Appr<span class=\"_ _0\"></span>oach for assessment of cr<span class=\"_ _0\"></span>edit risk regulatory </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ca\">capital re<span class=\"_ _0\"></span>quirements<span class=\"_ _0\"></span>. This approach considers risk w<span class=\"_ _0\"></span>eightings as defined under Basel II and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5cb\">Basel III principles.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs5cc\">The classes of financial ins<span class=\"_ _0\"></span>truments to which the Group is mos<span class=\"_ _0\"></span>t exposed are lo<span class=\"_ _0\"></span>ans and advances </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5cd\">to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>, loans and advances to credit ins<span class=\"_ _0\"></span>titutions, cash in the BoE call accoun<span class=\"_ _0\"></span>t, call and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ce\">current accoun<span class=\"_ _0\"></span>ts with other credit ins<span class=\"_ _0\"></span>titutions and inves<span class=\"_ _0\"></span>tment securities. The maximum cr<span class=\"_ _0\"></span>edit </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5cf\">risk exposure e<span class=\"_ _0\"></span>quals the total carrying amount of the abo<span class=\"_ _0\"></span>ve cate<span class=\"_ _0\"></span>gories plus of<span class=\"_ _3\"></span>f-balance sheet </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d0\">undra<span class=\"_ _0\"></span>wn committed mortgage facilities.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d1\">The change, during the year and cumulativ<span class=\"_ _0\"></span>ely, in the fair value of in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>ts in debt </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d2\">securities and loans and advances to cus<span class=\"_ _0\"></span>tomers at FV<span class=\"_ _0\"></span>OCI and FV<span class=\"_ _3\"></span>TPL that is attribut<span class=\"_ _0\"></span>able </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d3\">to<span class=\"_ gs2a\"> </span>changes in credit risk is not mat<span class=\"_ _0\"></span>erial.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs5d4\">Cred<span class=\"_ _3\"></span>it risk \u2013 loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to custo<span class=\"_ _3\"></span>mers<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d5\">Credit risk associated with mortgage lending is lar<span class=\"_ _0\"></span>gely driven by the housing mark<span class=\"_ _0\"></span>et and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d6\">lev<span class=\"_ _0\"></span>el of unemployment. A recession and/<span class=\"_ _2\"></span>or high inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates could cause pressure within </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d7\">the<span class=\"_ gs2a\"> </span>mark<span class=\"_ _0\"></span>et, resulting in rising lev<span class=\"_ _0\"></span>els of arrear<span class=\"_ _0\"></span>s and repossessions.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d8\">All loan applications are assessed in accor<span class=\"_ _0\"></span>dance with the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Lending Policy. Changes t<span class=\"_ _0\"></span>o </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5d9\">the policy are appro<span class=\"_ _0\"></span>ved by the Group Risk Committee<span class=\"_ _0\"></span>, with mandates set for the appro<span class=\"_ _0\"></span>val of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5da\">loan applications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5db\">The Group Credit Committ<span class=\"_ _0\"></span>ee and AL<span class=\"_ _0\"></span>CO regularly monitor lending activity, taking </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5dc\">appropriate actions t<span class=\"_ _0\"></span>o reprice products and adjus<span class=\"_ _0\"></span>t lending criteria in order to con<span class=\"_ _0\"></span>trol risk </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5dd\">and manage exposure<span class=\"_ _0\"></span>. Where necessary and appropriate<span class=\"_ _0\"></span>, changes to the Lending Policy </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5de\">are<span class=\"_ gs2a\"> </span>recommended<span class=\"_ gs2a\"> </span>t<span class=\"_ _0\"></span>o the Group Risk Committee.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs5df\">The follo<span class=\"_ _0\"></span>wing tables show the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s maximum e<span class=\"_ _0\"></span>xposure to credit risk and the impact o<span class=\"_ _0\"></span>f collateral </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs5e0\">held as security, capped at the gross e<span class=\"_ _0\"></span>xposure amount, by impairment s<span class=\"_ _0\"></span>tage. Capped collat<span class=\"_ _0\"></span>eral </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs5e1\">ex<span class=\"_ _0\"></span>cludes the impact of forced sale discount<span class=\"_ _0\"></span>s and costs to sell. The collater<span class=\"_ _0\"></span>al value is determined by </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5e2\">indexing agains<span class=\"_ _0\"></span>t HPI data.<span class=\"_ _35a\"> </span></div><div class=\"gs5e4\"><table class=\"s w780 h116\" id=\"_27d5f385-e987-40b7-9586-071b8a8700fd\"><tr><td></td><td></td><td class=\"c n xace y412f w781 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacf y412f w782 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xad0 y412f w783 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 xa5b h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xad1 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td><td class=\"t m1 xad2 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xa64 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td><td class=\"t m1 xad3 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xad4 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td></tr><tr><td></td><td class=\"t m1 xa58 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xa5f h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td><td class=\"t m1 xad5 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xad6 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td><td class=\"t m1 xad7 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xad8 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td></tr><tr><td></td><td class=\"t m1 xa59 h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xad9 h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td><td class=\"t m1 xada h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69c h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadb h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadc h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69e h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4134 w50d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xadd y4135 w784 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc2 wsc0\">12,338.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xade y4135 w785 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">12<span class=\"_ _3\"></span>,29<span class=\"_ _3\"></span>0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xadf y4135 w786 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae0 y4135 w787 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae1 y4135 w788 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae2 y4135 w789 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4136 w426 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae3 y4137 w78a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _18\"> </span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae4 y4137 w78b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">2<span class=\"_ _3\"></span>,416<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae5 y4137 w78c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>35<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae6 y4137 w78d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae7 y4137 w53d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae8 y4137 w78e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">4,<span class=\"_ _3\"></span>351.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4138 w42d hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae9 y4139 w78f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">655.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaea y4139 w790 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">6<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaeb y4139 w791 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaec y4139 w791 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaed y4139 w792 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f2 y4139 w793 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">943.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y413a w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b5 y413b w435 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaee y413b w794 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaef y413b w795 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">32.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf0 y413b w796 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">32<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf1 y413b w797 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf2 y413b w798 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">6<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xaf3 y413c w799 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">15<span class=\"_ _1\"></span>,4<span class=\"_ _1\"></span>39.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf4 y413c w79a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">15,<span class=\"_ _3\"></span>383.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf5 y413c w79b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf6 y413c w79c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf7 y413c w79d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf8 y413c w79e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,183.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h24 y413d ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2d3\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y413e w50d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf9 y413f w79f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,263<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafa y413f w7a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">11,<span class=\"_ _3\"></span>22<span class=\"_ _3\"></span>8.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafb y413f w7a1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafc y413f w424 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafd y413f w7a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf9 wsf7\">20<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafe y413f w7a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20,542.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w426 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaff y4066 w7a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">2,718.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb00 y4066 w7a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb01 y4066 w7a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,819<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb02 y4066 w7a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,818.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb03 y4066 w540 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb04 y4066 w7a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4,5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w42d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb05 y3fe6 w6ac hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">49<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb06 y3fe6 w30 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd1 wscf\">48<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb07 y3fe6 w432 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb08 y3fe6 w768 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _18\"> </span>1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb09 y3fe6 w7a9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">711<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0a y3fe6 w7aa hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf2 wsee\">706<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0b y3fb5 w438 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0c y3fb5 w7ab hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">33<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0d y3fb5 w7ac hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0e y3fb5 w7ad hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0f y3fb5 w43a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb10 y3fb5 w7ae hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">7<span class=\"_ _3\"></span>0.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xb11 y3f5f w7af hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb12 y3f5f w7b0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _18\"> </span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb13 y3f5f w7b1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"> </span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb14 y3f5f w7b2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,387<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb15 y3f5f w7b3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb16 y3f5f w7b4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">2<span class=\"_ _3\"></span>5,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>54.5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5e5\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main form of collat<span class=\"_ _0\"></span>eral held is property, based in the UK and the Channel Islands.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5e7\">The Group uses index<span class=\"_ _0\"></span>ed loan to value (L<span class=\"_ _2\"></span>TV<span class=\"_ _3\"></span>) ratios to assess the quality of the uncapped collat<span class=\"_ _0\"></span>eral held. Property values are update<span class=\"_ _0\"></span>d to reflect changes in the HPI. A break<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>wn of loans and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5e8\">advances to cus<span class=\"_ _0\"></span>tomers by inde<span class=\"_ _0\"></span>xed L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V is as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span></div><div class=\"gs4cd\"><table class=\"s w7b5 h117\" id=\"_2a498b45-e4a0-42a2-af4c-2a9c89b76012\"><tr><td></td><td></td><td class=\"c n xb17 y4140 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xb18 y4140 w50c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xb19 h21 y4141 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1a h21 y4141 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1b h21 y4141 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb1c h21 y4141 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1d h21 y4141 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x242 h21 y4141 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 xb1e h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90d h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90e h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1f h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e5 h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xb20 y4143 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb21 y4143 w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4144 ff1 fs6 fc4 sc0 ls101 ws6f\">Band<span class=\"_ _2d6\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y404d w7b7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb22 y404e w7b8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>375<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb23 y404e w7b9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>91.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb24 y404e w7ba hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">3,466.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb25 y404e w7bb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">14<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb26 y404d w7a8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb27 y404d w7bc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">1<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb28 y404d w7bd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3,5<span class=\"_ _3\"></span>60.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb29 y404d w87 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">14<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4d w7be hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2a y4145 w7bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse6 wse1\">2,291.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2b y4145 w7c0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,<span class=\"_ _3\"></span>312.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2c y4145 w7c1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,603.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2d y4145 w7c2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">14<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2e y3d4d w7c3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,27<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2f y3d4d w7c4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb30 y3d4d w7c5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3,7<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb31 y3d4d w87 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">14<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w7c6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb32 y404f w7c7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1d ws1c\">4,5<span class=\"_ _3\"></span>48.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb33 y404f w7c8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">3,035.<span class=\"_ _0\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb34 y404f w7c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb35 y404f w7ca hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb36 y3d4f w7cb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4,4<span class=\"_ _0\"></span>14.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb37 y3d4f w7cc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>24<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb38 y3d4f w7cd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb39 y3d4f w7ce hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w7cf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3a y3fd2 w7d0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">4,<span class=\"_ _3\"></span>624.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3b y3fd2 w7d1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">3,8<span class=\"_ _3\"></span>81.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3c y3fd2 w7d2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">8,5<span class=\"_ _3\"></span>05.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3d y3fd2 w7d3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3e y3d51 w145 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3,822.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3f y3d51 w7d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls64 ws60\">5,<span class=\"_ _0\"></span>000<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb40 y3d51 w7d5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">8,823.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb41 y3d51 w7d6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">34<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w7d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb42 y4146 w7d8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,043.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb43 y4146 w7d9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls15f ws16e\">4<span class=\"_ _3\"></span>61.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb44 y4146 w7da hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">1,505.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb45 y4146 w7db hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb46 y3d53 w7dc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">1,04<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb47 y3d53 w7dd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">573<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb48 y3d53 w7de hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>61<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb49 y3d53 w7df hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w7e0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4a y3d56 w7e1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">221.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4b y3d56 w7e2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">14.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4c y3d56 w7e3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">235.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4d y3d56 w7e4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4e y3d55 w7e5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">222.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4f y3d55 w7e6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls61 ws5d\">8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb50 y3d55 w7e7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">23<span class=\"_ _3\"></span>0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb51 y3d55 w7e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w7e9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb52 y3d57 w7ea hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3<span class=\"_ _3\"></span>35.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb53 y3d57 w7eb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb54 y3d57 w7ec hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb55 y3d57 w7ed hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb56 y3d58 wf6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">27<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb57 y3d58 w7ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb58 y3d58 w7ef hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _3\"></span>5.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb59 y3d58 w7e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d59 w7f0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> loans before provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5a y3d59 w7f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5b y3d59 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5c y3d59 w7f3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5d y3d59 w7f4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5e y3d5a w7f5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>4,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5f y3d5a w7f6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb60 y3d5a w7f7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x957 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">100<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5e9\">The table belo<span class=\"_ _0\"></span>w shows the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V banding for the OSB se<span class=\"_ _0\"></span>gments<span class=\"_ _0\"></span>\u2019 tw<span class=\"_ _0\"></span>o major lending stre<span class=\"_ _0\"></span>ams: </div><div class=\"gs5ea\"><table class=\"s w7f8 h117\" id=\"_8cac3487-3b77-4d40-b379-6cd0bdaa03c2\"><tr><td></td><td></td><td class=\"c n xb17 y4147 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xb18 y4147 w50c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 xb61 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">BTL/SME<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb62 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">Residential<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1b h21 y4148 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb63 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">BTL/SME<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb64 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">Residential<span class=\"_ _35a\"> </span></td><td class=\"t m1 x242 h21 y4148 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td class=\"t m1 x24c h21 y4149 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1e h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90d h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xb65 y414a w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb66 y414a w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2e5 h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xb20 y414a w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb21 y414a w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y414b ff1 fs6 fc4 sc0 ls101 ws6f\">Band<span class=\"_ _2d6\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y404d w7b7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb67 y414c w7f9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb68 y414c w7a0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb69 y414c w7fa hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">2,37<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6a y414c w7fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6b y404d w7fc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">1,<span class=\"_ _3\"></span>07<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6c y404d w7fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">1,37<span class=\"_ _0\"></span>6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6d y404d w7a8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6e y404d w7fe hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4d w7be hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2a y3fb0 w7ff hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">2<span class=\"_ _3\"></span>,021.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6f y3fb0 w800 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls23 ws22\">270<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb70 y3fb0 w801 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">2,291<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb71 y3fb0 w7fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb72 y3d4d w802 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">2,027<span class=\"_ _2\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb73 y3d4d w6d6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">248.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb74 y3d4d w803 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>27<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb75 y3d4d w804 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w7c6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb76 y3fb1 w7d0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">4,3<span class=\"_ _3\"></span>45.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb77 y3fb1 w11f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">203.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb78 y3fb1 w805 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1d ws1c\">4,548.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb79 y3fb1 w7ce hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls119 ws1a\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7a y3d4f w806 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7b y3d4f w807 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">23<span class=\"_ _3\"></span>3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7c y3d4f w808 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4,414.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7d y3d4f w809 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w7cf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7e y3fb2 w80a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">4,430<span class=\"_ _0\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7f y3fb2 w6d6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">19<span class=\"_ _3\"></span>3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb80 y3fb2 w7d0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">4,62<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb81 y3fb2 w80b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb82 y3d51 w80c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>61<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb83 y3d51 w80d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">205.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb84 y3d51 w145 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3,822.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb85 y3d51 w80e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">26<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w7d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb86 y4066 w80f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">7<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb87 y4066 w810 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lseb ws27\">244.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb88 y4066 w7d8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">1,043.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb89 y4066 w811 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8a y3fd3 w812 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">826<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8b y3fd3 w813 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8c y3fd3 w814 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>45.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8d y3fd3 w815 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w7e0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4a y3fb4 w816 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">190.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8e y3fb4 w25 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">30.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8f y3fb4 w7e1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">221.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb90 y3fb4 w7e4 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb91 y3d55 w817 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _3\"></span>4.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb92 y3d55 w818 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb93 y3d55 w819 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">222.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb94 y3d55 w81a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w7e9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb95 y3fb5 w81b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">331.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb96 y3fb5 w101 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb97 y3fb5 w81c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">335<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb98 y3fb5 w81d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb99 y3d58 w81e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9a y3d58 w81f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9b y3d58 wf6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">27<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9c y3d58 w81a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w7f0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> loans before provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9d y3f5f w73f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">13,<span class=\"_ _0\"></span>155.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9e y3f5f w820 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">2,283<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9f y3f5f w821 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>,4<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba0 y3f5f w822 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls13 ws11\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba1 y3d5a w823 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">1<span class=\"_ _3\"></span>2,17<span class=\"_ _1\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba2 y3d5a w824 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">2<span class=\"_ _3\"></span>,3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba3 y3d5a w825 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba4 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">100<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5ec\">The tables belo<span class=\"_ _0\"></span>w show the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V analysis of the OSB B<span class=\"_ _0\"></span>TL/SME sub-segment:<span class=\"_ _35a\"> </span></div><div class=\"gs494\"><table class=\"s w826 h118\" id=\"_00d302a8-ce42-4385-97d7-ac70a0b32ead\"><tr><td></td><td></td><td></td><td class=\"t m1 xba5 h21 y414d ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x85b h21 y414e ff1 fs5 fc5 sc0 ls0 ws0\">Residential </td><td></td><td></td></tr><tr><td class=\"t m1 x24c h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">Band </td><td class=\"c xba7 y4151 w827 h119\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Buy-to-Let</div><div class=\"t m1 xba6 h20 y4150 ff2 fs12 fc4 sc0 ls0 ws0\">1</div></td><td class=\"t m1 xba8 h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">Commercial<span class=\"_ _35a\"> </span></td><td class=\"t m1 xba9 h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">dev<span class=\"_ _0\"></span>elopment </td><td class=\"t m1 x858 h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">Funding lines<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y414f ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbaa h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4153 w7b7 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbab y4154 w828 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">925<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbac y4154 w829 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbad y4154 w661 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbae y4154 w82a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbaf y4154 w82b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4155 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb0 y4156 w82c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>19.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb1 y4156 w82d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">128.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb2 y4156 w82e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">6<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb3 y4156 w82f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb4 y4156 w830 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">2<span class=\"_ _3\"></span>,021.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4157 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb5 y4158 w831 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>51<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb6 y4158 w832 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb7 y4158 w833 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">184.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb8 y4158 w834 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb9 y4158 w835 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4,<span class=\"_ _3\"></span>345.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4159 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbba y415a w836 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">3,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbb y415a w837 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">495.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbc y415a w838 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbd y415a w839 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbe y415a w83a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">4,<span class=\"_ _0\"></span>430.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y415b w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbf y415c w83b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">562<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc0 y415c w83c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc1 y415c wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc2 y415c wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc3 y415c w75e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">7<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y415d w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc4 y415e w83d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">1<span class=\"_ _3\"></span>00.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc5 y415e w83e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">90<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc6 y415e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc7 y415e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc8 y415e w83f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">190.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y415f w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc9 y4160 w840 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbca y4160 w4d7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">90.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcb y4160 w841 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcc y4160 w683 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcd y4160 w842 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">331.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4161 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y4162 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xbce y4163 w444 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">11<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcf y4163 w843 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">1,3<span class=\"_ _3\"></span>56.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd0 y4163 w844 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls33 ws31\">262.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd1 y4163 w4ed hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd2 y4163 w845 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd1 wscf\">13,<span class=\"_ _0\"></span>155.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y4164 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _18f\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4165 w7b7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd3 y4166 w846 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">9<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd4 y4166 w847 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">9<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd5 y4166 w848 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">8.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd6 y4166 w849 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">8<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd7 y4166 w84a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,078.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4167 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd8 y4168 w84b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd9 y4168 w84c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">106.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbda y4168 w84d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdb y4168 w84e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdc y4168 w84f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">2,027<span class=\"_ _2\"></span>.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4169 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdd y416a w850 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">3,80<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbde y416a w851 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdf y416a w61a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">21<span class=\"_ _3\"></span>0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe0 y416a w852 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe1 y416a w853 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">4<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416b w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe2 y416c w854 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>27<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe3 y416c w855 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">323.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe4 y416c w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe5 y416c w856 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe6 y416c w857 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">3,61<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416d w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe7 y416e w855 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">596.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe8 y416e w858 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">23<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe9 y416e w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbea y416e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbeb y416e w859 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls1f ws61\">826<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416f w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbec y4170 w85a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">68.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbed y4170 w85b hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbee y4170 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbef y4170 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf0 y4170 w85c hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf8 wsf6\">17<span class=\"_ _3\"></span>4.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4171 w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf1 y4172 w85d hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20<span class=\"_ _3\"></span>2.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf2 y4172 w85e hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">6<span class=\"_ _3\"></span>6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf3 y4172 w85f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf4 y4172 we6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf5 y4172 w85 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>0.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4173 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y4174 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xbce y3d5a w860 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf6 y3d5a w861 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">1,09<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf7 y3d5a w862 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">28<span class=\"_ _3\"></span>0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf8 y3d5a w863 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf9 y3d5a w864 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd6 wsd3\">1<span class=\"_ _3\"></span>2,1<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs5ee\">1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des n<span class=\"_ _3\"></span>et inve<span class=\"_ _3\"></span>stm<span class=\"_ _3\"></span>ent in fin<span class=\"_ _3\"></span>ance l<span class=\"_ _3\"></span>eas<span class=\"_ _3\"></span>es.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5f0\">The table belo<span class=\"_ _0\"></span>w shows the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V analysis of the OSB R<span class=\"_ _0\"></span>esidential sub-segment:<span class=\"_ _35a\"> </span></div><div class=\"t m1 h21 ff1 fs5 fc5 sc0 lsa5 wsa2 gs5f1\">OSB<span class=\"_ _35a\"> </span></div><div class=\"gs494\"><table class=\"s w865 h11a\" id=\"_cebd24f5-4aa0-43a8-9da1-febb6bf96af1\"><tr><td></td><td></td><td class=\"c n x698 y4175 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x699 y4175 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 xbfa h21 y4176 ff1 fs5 fc5 sc0 ls0 ws0\">Second </td><td></td><td></td><td class=\"t m1 xadb h21 y4176 ff1 fs5 fc5 sc0 ls0 ws0\">Second </td><td></td></tr><tr><td></td><td class=\"t m1 xbfb h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">First charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbfc h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 x401 h21 y4177 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbfd h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">First charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cb h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4177 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x69e h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4179 ff1 fs6 fc4 sc0 ls101 ws6f\">Band<span class=\"_ _2ae\"> </span><span class=\"fs0 ls0 ws0\"> <span class=\"_ _fc\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y417a w7b7 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbfe y417b w866 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">1,272.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbff y417b w867 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">64.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc00 y417b w868 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc01 y417b w869 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>2.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc02 y417b w651 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">8<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc03 y417b w86a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">1,37<span class=\"_ _0\"></span>6.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y417c w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc04 y417d w86b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">248.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc05 y417d w86c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">2<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc06 y417d w86d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls106 ws163\">2<span class=\"_ _3\"></span>70.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc07 y417d w86e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc08 y417d w86f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc09 y417d w870 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">248.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y417e w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0a y417f w871 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0b y417f wf8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">10.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0c y417f w872 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">203.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0d y417f w873 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">218.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0e y417f w69f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">14.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0f y417f w4b0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">233.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4180 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc10 y4181 w874 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc11 y4181 w875 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc12 y4181 w876 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">193<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc13 y4181 w877 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc14 y4181 w693 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc15 y4181 w878 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc8 ws29\">205.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4182 w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc16 y4183 w879 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">244.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc17 y4183 w627 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc18 y4183 w42e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">244.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc19 y4183 w87a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1a y4183 w87b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1b y4183 w87c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4184 w87d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1c y4185 w87e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1d y4185 w87f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1e y4185 w431 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">30.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1f y4185 w880 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">4<span class=\"_ _3\"></span>6.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc20 y4185 we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc21 y4185 w881 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4186 w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc22 y4187 w882 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">3.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc23 y4187 w74e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc24 y4187 w883 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc25 y4187 web hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc26 y4187 wde hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc27 y4187 w884 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4188 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4189 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xa80 y418a w885 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">2,181.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc28 y418a w886 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">1<span class=\"_ _3\"></span>02.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc29 y418a w887 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd wsd0\">2,283.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc2a y418a w888 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>,1<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc2b y418a w889 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscc wscb\">13<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc2c y418a w88a hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls28 ws43\">2,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>34.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5f3\">The tables belo<span class=\"_ _0\"></span>w show the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V analysis of the four CCF<span class=\"_ _0\"></span>S sub-segment: </div><div class=\"t m1 h21 ff1 fs5 fc5 sc0 ls0 ws0 gs5f4\">Band </div><div class=\"gs494\"><table class=\"s w88b h11b\" id=\"_cd689fc9-3fbf-4d7d-a384-dad2016eed48\"><tr><td></td><td></td><td></td><td class=\"t m1 xba9 h21 y418b ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x6f1 h21 y418c ff1 fs5 fc5 sc0 ls0 ws0\">Second </td><td class=\"t m1 xc2d h21 y418c ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x863 h21 y418d ff1 fs5 fc5 sc0 ls0 ws0\">charge </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xc2e h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">Buy-to-Let<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbaa h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">Residential<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa17 h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">Bridging<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">lending<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x24c h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x85d h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f3 h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f4 h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f5 h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xc2f y4190 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc30 y4190 w4e6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4191 w7b7 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc31 y4192 w88c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">335.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc32 y4192 w88d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">6<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc33 y4192 w88e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">123.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc34 y4192 w88f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">24.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc35 y4192 w890 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1,09<span class=\"_ _3\"></span>1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc36 y4192 w891 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">11<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4193 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc37 y4194 w892 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">7<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc38 y4194 w893 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">508.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc39 y4194 w894 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">7<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3a y4194 w895 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">16.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3b y4194 w896 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1,312<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3c y4194 w897 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">13<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4195 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3d y4196 w898 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3e y4196 w899 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls169 ws9a\">896.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3f y4196 w89a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">10<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc40 y4196 w89b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">13.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc41 y4196 w89c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd1 wscf\">3,035.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc42 y4196 w897 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">31<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4197 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc43 y4198 w89d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsb ws8\">3,099<span class=\"_ _0\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc44 y4198 w89e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">713.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc45 y4198 w89f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">60.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc46 y4198 w8a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc47 y4198 w8a1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">3<span class=\"_ _3\"></span>,881.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc48 y4198 w4f0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">40<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4199 w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc49 y419a w8a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">183<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4a y419a w8a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">2<span class=\"_ _3\"></span>75.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4b y419a w8a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4c y419a w8a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4d y419a w8a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls72 wsa\">4<span class=\"_ _3\"></span>61.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x739 y419a w8a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y419b w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4e y419c w8a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4f y419c w882 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">3.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc50 y419c w10c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc51 y419c w104 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc52 y419c w8a9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">14.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc53 y419c wf4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y419d w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc54 y419e w8aa hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">2<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc55 y419e w82a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc56 y419e w841 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc57 y419e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc58 y419e w661 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc59 y419e wf4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y419f ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y41a0 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xc5a y41a1 w8ab hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">6<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5b y41a1 w8ac hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">3,0<span class=\"_ _3\"></span>05.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5c y41a1 w8ad hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">3<span class=\"_ _3\"></span>64.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5d y41a1 w8ae hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd1 wscf\">63.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5e y41a1 w8af hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5f y41a1 w8b0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd2 wsd1\">100<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y41a2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2d3\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4165 w7b7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc60 y4166 w8b1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">3<span class=\"_ _3\"></span>60.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc61 y4166 w8b2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">5<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc62 y4166 w8b3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">13<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc40 y4166 w8b4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">33.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc63 y4166 w8b5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd6 wsd3\">1<span class=\"_ _3\"></span>,10<span class=\"_ _1\"></span>5.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc64 y4166 w500 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">10<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41a3 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc65 y41a4 w8b6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc66 y41a4 w8b7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">5<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc67 y41a4 w8b8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">66.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc68 y41a4 w856 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc69 y41a4 w8b9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6a y41a4 w3b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls6f ws6b\">13<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4169 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6b y416a w8ba hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,365<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6c y416a w8bb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">782.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6d y416a w8bc hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">7<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6e y416a w8bd hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls169 ws9a\">15<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6f y416a w8be hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>24<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc70 y416a w8bf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc8 ws29\">28<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41a5 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc71 y41a6 w8c0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">4,0<span class=\"_ _3\"></span>98.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc72 y41a6 w8c1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">8<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc73 y41a6 w8c2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc74 y41a6 w8c3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">1<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc75 y41a6 w8c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls5f ws16a\">5,<span class=\"_ _0\"></span>000.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc76 y41a6 w8c5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">44<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416d w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc77 y416e w8c6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">271.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc78 y416e w8c7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">296.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc79 y416e w8c8 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7a y416e w8c9 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">3.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7b y416e w8ca hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">573<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7c y416e w17 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416f w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7d y4170 w8cb hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7e y4170 w8cc hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7f y4170 w694 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc80 y4170 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc81 y4170 w8cd hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd1 wscf\">8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc82 y4170 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4171 w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc83 y4172 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc84 y4172 w8ce hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc85 y4172 wde hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc86 y4172 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc87 y4172 w852 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc88 y4172 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y41a7 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y41a8 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xc89 y3d5a w8cf hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsda wsd6\">7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8a y3d5a w8d0 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>,0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8b y3d5a w8d1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lse1 wsec\">333.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8c y3d5a w8d2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls3 wsc7\">8<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8d y3d5a w8d3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8e y3d5a w8d4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsc7 wsc4\">100<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs5f6\">Forbe<span class=\"_ _3\"></span>arance meas<span class=\"_ _3\"></span>ures under<span class=\"_ _3\"></span>taken<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5f7\">The Group has a r<span class=\"_ _0\"></span>ange of options available where borro<span class=\"_ _0\"></span>wer<span class=\"_ _0\"></span>s experience financial difficulties </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5f8\">that impact their ability to service their financial commitments under the loan agreemen<span class=\"_ _0\"></span>t. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5f9\">These options are explaine<span class=\"_ _0\"></span>d in the Risk revie<span class=\"_ _0\"></span>w on pages 46 to 69<span class=\"_ _2\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5fa\">A summary of the forbear<span class=\"_ _0\"></span>ance measures undertak<span class=\"_ _0\"></span>en during the year is shown belo<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span>. The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5fb\">balances disclosed reflect the ye<span class=\"_ _0\"></span>ar-end balance of the accounts wher<span class=\"_ _0\"></span>e a forbearance measur<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs5fc\">was undertak<span class=\"_ _0\"></span>en during the year<span class=\"_ _2\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"gs5fd\"><table class=\"s w8d5 h11c\" id=\"_bb8c8fdd-4d03-4114-ae51-af2718c93770\"><tr><td></td><td></td><td class=\"t m1 xc8f h21 y41a9 ff1 fs5 fc5 sc0 ls0 ws0\">As at </td><td class=\"c xc91 y41aa w8d6 h11d\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Restated</div><div class=\"t m1 xc90 h20 y4150 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2c9 h21 y41a9 ff1 fs5 fc5 sc0 ls0 ws0\">As at </td></tr><tr><td></td><td class=\"t m1 xbfc h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\"> Number of </td><td class=\"t m1 x401 h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\">31 Dec<span class=\"_ _3\"></span>ember </td><td class=\"t m1 xc92 h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\">Number of </td><td class=\"t m1 xc93 h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\">31 Dec<span class=\"_ _3\"></span>ember </td></tr><tr><td></td><td class=\"t m1 x69b h21 y41ac ff1 fs5 fc5 sc0 ls0 ws0\">accounts<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc8f h21 y41ac ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc94 h21 y41ac ff1 fs5 fc5 sc0 ls0 ws0\">accounts<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y41ac ff1 fs5 fc5 sc0 lsa5 wsa2\">2023</td></tr><tr><td class=\"t m1 x2cd h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\"> Forbearance type<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc95 h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc96 h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c8 h21 y41ad ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y41ae w8d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st<span class=\"_ _0\"></span>-o<span class=\"_ _3\"></span>nly sw<span class=\"_ _3\"></span>itch<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc97 y41af w8d8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>81<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc98 y41af w528 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc99 y41ae w8d9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">51<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9a y41ae w8da hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b0 w8db hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st rate<span class=\"_ _3\"></span> reduc<span class=\"_ _3\"></span>tion<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9b y41b1 w8dc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">1,07<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9c y41b1 w25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">85.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9d y41b0 w8dd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls11 wsf\">637<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9e y41b0 w8de hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b2 w8df hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>erm e<span class=\"_ _0\"></span>x<span class=\"_ _3\"></span>tension<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9f y41b3 w7e4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca0 y41b3 w770 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca1 y41b2 w8e0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca2 y41b2 w658 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b4 w8e1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Payment de<span class=\"_ _3\"></span>ferral<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca3 y41b5 w8e2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">7<span class=\"_ _3\"></span>47<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca4 y41b5 w8e3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">104.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca5 y41b4 w8e4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">689<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca6 y41b4 w8e5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>01.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y41b6 ff2 fs6 fc4 sc0 ls0 ws0\">Payment c<span class=\"_ _3\"></span>onces<span class=\"_ _3\"></span>sion (reduced </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41b7 w8e6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">monthly paym<span class=\"_ _3\"></span>ents)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca7 y41b8 w8e7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca8 y41b8 w8e8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca9 y41b7 w8e9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">72<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcaa y41b7 w9f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b9 w8ea hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Capitalisa<span class=\"_ _3\"></span>tion of interest<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcab y41ba w7bb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">14<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcac y41ba w8eb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">2.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcad y41b9 w8ec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">18<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcae y41b9 w8ed hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41bb w8ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Full or par<span class=\"_ _3\"></span>tial debt forgive<span class=\"_ _3\"></span>ness<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcaf y41bc w7c2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">21<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb0 y41bc w8ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">10.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb1 y41bb w65f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb2 y41bb w81f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41bd w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb3 y41bd w8f0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">3<span class=\"_ _3\"></span>,013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb4 y41bd w8f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">348.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb5 y41be w8f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2,05<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb6 y41be w8f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y41bf ff1 fs5 fc5 sc0 ls0 ws0\">Loan type<span class=\"_ _c4\"> </span><span class=\"ff2 fs6 fc4\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w8f4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">First ch<span class=\"_ _3\"></span>arge owner<span class=\"_ _0\"></span>-o<span class=\"_ _3\"></span>ccupier<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb7 y3fb2 w8f5 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">2,<span class=\"_ _3\"></span>322<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb8 y3fb2 w8f6 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb9 y3d51 w8f7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcba y3d51 w430 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>3.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w8f8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Second charge owner<span class=\"_ _2\"></span>-occupier<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbb y4066 w8f9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">169<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbc y4066 w8fa hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbd y3fd3 w8fb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">2<span class=\"_ _3\"></span>94<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0a y3fd3 w8fc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">8<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w8fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">Buy-to-Le<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbe y3fb4 w19 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">460<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbf y3fb4 w8fe hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc0 y3d55 w8ff hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls11 wsf\">37<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc1 y3d55 w900 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">82.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w901 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Commercial<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc2 y3fb5 w902 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">62<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc3 y3fb5 w903 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">13.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc4 y3d58 w904 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">90<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc5 y3d58 w905 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w53c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb3 y3f5f w8f0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">3<span class=\"_ _3\"></span>,013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb4 y3f5f w8f1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls59 wsde\">348.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb5 y3d5a w8f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2,05<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb6 y3d5a w8f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs5fe\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>In 202<span class=\"_ _3\"></span>4 the Gro<span class=\"_ _3\"></span>up upd<span class=\"_ _3\"></span>ated i<span class=\"_ _3\"></span>ts for<span class=\"_ _3\"></span>be<span class=\"_ _3\"></span>aranc<span class=\"_ _3\"></span>e rep<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>ting to s<span class=\"_ _3\"></span>tanda<span class=\"_ _3\"></span>rdis<span class=\"_ _3\"></span>e the app<span class=\"_ _3\"></span>roa<span class=\"_ _3\"></span>ch use<span class=\"_ _3\"></span>d acr<span class=\"_ _3\"></span>oss it<span class=\"_ _3\"></span>s enti<span class=\"_ _3\"></span>ties<span class=\"_ _3\"></span>. T<span class=\"_ _0\"></span>o aid<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls51 ws0 gs5ff\">com<span class=\"_ _3\"></span>para<span class=\"_ _3\"></span>bility<span class=\"_ _3\"></span>, the 202<span class=\"_ _3\"></span>3 figure<span class=\"_ _3\"></span>s have b<span class=\"_ _3\"></span>ee<span class=\"_ _3\"></span>n res<span class=\"_ _3\"></span>tated to r<span class=\"_ _3\"></span>efle<span class=\"_ _3\"></span>ct this c<span class=\"_ _3\"></span>hang<span class=\"_ _3\"></span>e. This h<span class=\"_ _3\"></span>as th<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>t of inc<span class=\"_ _3\"></span>reas<span class=\"_ _3\"></span>ing th<span class=\"_ _3\"></span>e numb<span class=\"_ _3\"></span>er </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs600\">of<span class=\"_ gs378\"> </span>ac<span class=\"_ _3\"></span>coun<span class=\"_ _3\"></span>ts in 202<span class=\"_ _3\"></span>3 by 502 to 2,0<span class=\"_ _3\"></span>54 and t<span class=\"_ _3\"></span>he 2023 y<span class=\"_ _3\"></span>ear-end b<span class=\"_ _3\"></span>alan<span class=\"_ _3\"></span>ce by \u00a3<span class=\"_ _3\"></span>26.<span class=\"_ _0\"></span>4m t<span class=\"_ _3\"></span>o \u00a3261.<span class=\"_ _0\"></span>1m. </div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs602\">Ge<span class=\"_ _3\"></span>ographical analys<span class=\"_ _3\"></span>is by region<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs603\">An analysis of loans<span class=\"_ _0\"></span>, excluding asset finance leases<span class=\"_ _0\"></span>, by region is pro<span class=\"_ _0\"></span>vided below:<span class=\"_ _35a\"> </span></div><div class=\"gs604\"><table class=\"s w906 h11e\" id=\"_63acd3f2-0694-4b3a-b4c7-cd842bd1f46e\"><tr><td></td><td></td><td></td><td class=\"c n xcc6 y41c0 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xcc7 y41c0 w907 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xcc8 h21 y41c1 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xcc9 h21 y41c1 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 xcca h21 y41c1 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xccb h21 y41c1 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xccc h21 y41c1 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x245 h21 y41c1 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td class=\"t m1 x24c h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">Region<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2f4 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 x2f5 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2f6 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m</td><td class=\"t m1 xccd h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\"> % </td><td class=\"t m1 x2f8 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2f9 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xcce y41c3 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xccf y41c3 w908 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d74 w909 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">East Angli<span class=\"_ _3\"></span>a<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd0 y3d75 w90a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcd1 y3d75 w90b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1,08<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd2 y3d75 w90c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">1,532.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd3 y3d75 w90d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd4 y3d75 w90e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">4<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd5 y3d75 w90f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _3\"></span>236<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd6 y3d75 w910 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">1,716.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd7 y3d75 w911 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d77 w912 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">East Midl<span class=\"_ _3\"></span>ands<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd8 y41c4 w913 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">756.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcd9 y41c4 w914 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls106 ws163\">67<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcda y41c4 w915 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1,<span class=\"_ _0\"></span>431.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdb y41c4 w916 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdc y41c4 w917 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">7<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdd y41c4 w918 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">7<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcde y41c4 w919 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">1,<span class=\"_ _0\"></span>498.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdf y41c4 w1a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d7b w91a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Greater L<span class=\"_ _0\"></span>ondon<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce0 y41c5 w91b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">6<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xce1 y41c5 w78d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce2 y41c5 w91c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce3 y41c5 w91d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">36<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce4 y41c5 w91e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">6,185.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce5 y41c5 w91f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce6 y41c5 w920 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">9<span class=\"_ _2\"></span>,602.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce7 y41c5 w921 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls48 ws48\">37<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d7d w922 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce8 y3d7e w923 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xce9 y3d7e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcea y3d7e w923 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xceb y3d7e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcec y3d7e w924 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xced y3d7e w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcee y3d7e w925 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcef y3d7e w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f8e w926 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Jersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf0 y3f8f w927 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">63.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcf1 y3f8f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf2 y3f8f w928 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">63.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf3 y3f8f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf4 y3f8f w929 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf5 y3f8f w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf6 y3f8f w92a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf7 y3f8f w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d81 w92b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">North East<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf8 y3d82 w92c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">22<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcf9 y3d82 w92d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">28<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfa y3d82 w8fe hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">506.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfb y3d82 w92e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfc y3d82 w92f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls169 ws9a\">19<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfd y3d82 w930 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfe y3d82 w931 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">495.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcff y3d82 w932 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f90 w933 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">North W<span class=\"_ _0\"></span>est<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd00 y41c6 w934 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd01 y41c6 w935 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">8<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd02 y41c6 w936 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd03 y41c6 w937 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd04 y41c6 w938 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">9<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd05 y41c6 w939 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,03<span class=\"_ _3\"></span>1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd06 y41c6 w93a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd07 y41c6 w12 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d85 w93b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Northern Ireland<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd08 y3d86 w93c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd09 y3d86 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0a y3d86 w93d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0b y3d86 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0c y3d86 w93e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0d y3d86 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0e y3d86 w93f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0f y3d86 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f94 w940 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Scotl<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd10 y41c7 w941 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">23.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd11 y41c7 w942 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd12 y41c7 w943 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">305.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd13 y41c7 w944 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd14 y41c7 w84d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd15 y41c7 w945 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">29<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd16 y41c7 w946 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">3<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd17 y41c7 w947 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d89 w948 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">So<span class=\"_ _3\"></span>uth Eas<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd18 y3d8a w949 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd19 y3d8a w94a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1a y3d8a w94b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1b y3d8a w94c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls169 ws9a\">4,<span class=\"_ _0\"></span>996<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1c y3d8a w94d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">20<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1d y3d8a w94e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1e y3d8a w94f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,83<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1f y3d8a w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">4,7<span class=\"_ _1\"></span>41.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd20 y3d8a w950 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8b w951 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls18 ws19\">S<span class=\"_ _3\"></span>ou<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>h We<span class=\"_ _3\"></span>s<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd21 y3d8c w952 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"> </span>4<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd22 y3d8c w953 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd23 y3d8c w954 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">1,727<span class=\"_ _2\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd24 y3d8c w955 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd25 y3d8c w956 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd26 y3d8c w957 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfb wsfa\">751.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd27 y3d8c w7a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,7<span class=\"_ _3\"></span>10.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd28 y3d8c w911 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8d w958 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls18 ws19\">Wal<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd29 y3f98 w959 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcd9 y3f98 w95a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2a y3f98 w95b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">634.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2b y3f98 w95c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2c y3f98 w95d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2d y3f98 w95e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">3<span class=\"_ _3\"></span>15.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2e y3f98 w95f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2f y3f98 wf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d90 w960 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">West Midland<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd30 y3f99 w961 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd31 y3f99 w962 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd1 wscf\">755.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd32 y3f99 w963 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">1,663.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd33 y3f99 w955 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd34 y3f99 w964 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">9<span class=\"_ _3\"></span>92.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd35 y3f99 w965 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8<span class=\"_ _3\"></span>51.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd36 y3f99 w966 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,843.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd37 y3f99 w1d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d92 w967 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Y<span class=\"_ _0\"></span>orks and Humb<span class=\"_ _3\"></span>erside<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd38 y3d93 w968 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">515.8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd39 y3d93 w969 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">5<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3a y3d93 w96a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3b y3d93 w92e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3c y3d93 w96b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">37<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3d y3d93 w812 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3e y3d93 w96c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">955.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3f y3d93 w96d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w7f0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> loans before provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd40 y3d5a w96e hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf7 wsf5\">15<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd41 y3d5a w79b hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd42 y3d5a w96f hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls16b ws102\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,92<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd43 y3d5a w970 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsd2 wsd1\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd44 y3d5a w43e hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsfa wsf8\">14,286.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd45 y3d5a w7b1 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd46 y3d5a w971 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd47 y3d5a w972 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsc7 wsc4\">10<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs605\">Appro<span class=\"_ _3\"></span>ach to me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of cred<span class=\"_ _3\"></span>it quality<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs606\">The Group cate<span class=\"_ _0\"></span>gorises the credit quality of loans and advances to cus<span class=\"_ _0\"></span>tomers in<span class=\"_ _0\"></span>to internal risk gr<span class=\"_ _0\"></span>ades based on the 12-month PD calculated at the r<span class=\"_ _0\"></span>epor<span class=\"_ _3\"></span>ting date<span class=\"_ _0\"></span>. The PDs include a combination of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs607\">internal behaviour<span class=\"_ _0\"></span>al and credit bureau char<span class=\"_ _0\"></span>acteristics and ar<span class=\"_ _0\"></span>e aligned with capital models to gener<span class=\"_ _0\"></span>ate the risk grades which ar<span class=\"_ _0\"></span>e then fur<span class=\"_ _3\"></span>ther grouped in<span class=\"_ _0\"></span>to the following cr<span class=\"_ _0\"></span>edit quality segments:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs608\">\u2022 <span class=\"_ _15\"> </span>Excellent quality \u2013 where ther<span class=\"_ _0\"></span>e is a very high lik<span class=\"_ _0\"></span>elihood the asset will be reco<span class=\"_ _0\"></span>vered in full with a negligible or v<span class=\"_ _0\"></span>ery low risk of de<span class=\"_ _0\"></span>fault.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs609\">\u2022 <span class=\"_ _15\"> </span>Good quality \u2013 where there is a high lik<span class=\"_ _0\"></span>elihood the asset will be reco<span class=\"_ _0\"></span>vered in full with a lo<span class=\"_ _0\"></span>w risk of default.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs60a\">\u2022 <span class=\"_ _15\"> </span>Satisfactory quality \u2013 where the asset<span class=\"_ _0\"></span>s demonstrat<span class=\"_ _0\"></span>e a moderate def<span class=\"_ _0\"></span>ault risk. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs60b\">\u2022 <span class=\"_ _15\"> </span>Lo<span class=\"_ _0\"></span>wer quality \u2013 where the asset<span class=\"_ _0\"></span>s require closer monitoring and the risk of de<span class=\"_ _0\"></span>fault is of great<span class=\"_ _0\"></span>er concern.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs60d\">The follo<span class=\"_ _0\"></span>wing tables disclose the credit risk quality ratings o<span class=\"_ _0\"></span>f loans and advances to cus<span class=\"_ _0\"></span>tomers by IFRS 9 s<span class=\"_ _0\"></span>tage. The assessmen<span class=\"_ _0\"></span>t of whether credit risk has increase<span class=\"_ _0\"></span>d significantly since initial </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs60e\">recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan. L<span class=\"_ _0\"></span>oans and advances to cus<span class=\"_ _0\"></span>tomers initially book<span class=\"_ _0\"></span>ed on very lo<span class=\"_ _0\"></span>w PDs and graded as e<span class=\"_ _0\"></span>xcellent quality loans can e<span class=\"_ _0\"></span>xperience </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs60f\">SICR and theref<span class=\"_ _0\"></span>ore be move<span class=\"_ _0\"></span>d to Stage 2. Similarly, loans and advances t<span class=\"_ _0\"></span>o customer<span class=\"_ _0\"></span>s initially booked on high PD<span class=\"_ _0\"></span>s having lower cr<span class=\"_ _0\"></span>edit quality can remain in s<span class=\"_ _0\"></span>tage 1 if subsequently SICR is not </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs610\">experienced or trigger<span class=\"_ _0\"></span>ed. Such loans may still be gr<span class=\"_ _0\"></span>aded as excellent quality, if they meet the o<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>all criteria.<span class=\"_ _35a\"> </span></div><div class=\"gs611\"><table class=\"s w973 h11f\" id=\"_b8d089dd-5d82-48d6-8855-e060d21070f5\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x90a h21 y41c8 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 xd48 h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 1<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd49 h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 2<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4a h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4b h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">(POCI)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e6 h21 y41c9 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4c h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">PD lower r<span class=\"_ _0\"></span>ange<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4d h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">PD upper range<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 x90d h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90e h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90f h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e5 h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4e h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4f h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y41cb ff1 fs6 fc4 sc0 lse6 wse1\">OSB<span class=\"_ _2ef\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41cc w974 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd50 y41cd w975 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">5,<span class=\"_ _0\"></span>426.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd51 y41cd w976 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd52 y41cd w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd53 y41cd w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd54 y41cd w977 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">5,639<span class=\"_ _0\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd55 y41cd w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd56 y41cd w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ce w978 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd57 y41cf w6ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>199<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd58 y41cf w979 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd59 y41cf w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5a y41cf w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5b y41cf w5c4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5c y41cf w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5d y41cf w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d0 w97b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd5e y41d1 w97c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">63<span class=\"_ _3\"></span>3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5f y41d1 w97d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">503.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd60 y41d1 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd61 y41d1 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd62 y41d1 w97e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">1,<span class=\"_ _0\"></span>136.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd63 y41d1 w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd64 y41d1 w97f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d2 w980 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd65 y41d3 w87a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd66 y41d3 w981 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">566.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd67 y41d3 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd68 y41d3 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd69 y41d3 w982 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6a y41d3 w983 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6b y41d3 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d4 w985 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41d5 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6d y41d5 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6e y41d5 w986 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">65<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6f y41d5 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd70 y41d5 w987 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">65<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd71 y41d5 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd72 y41d5 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d6 w988 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41d7 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6d y41d7 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd73 y41d7 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd74 y41d7 w989 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd75 y41d7 w98a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd76 y41d7 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd77 y41d7 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y41d8 ff1 fs6 fc4 sc0 ls9e ws9b\">CCFS<span class=\"_ _2f5\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41d9 w974 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd78 y41da w98c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">4,<span class=\"_ _3\"></span>62<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd79 y41da w810 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">62<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7a y41da w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7b y41da w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7c y41da w5d2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">5<span class=\"_ _3\"></span>,245.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7d y41da w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7e y41da w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41db w978 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd7f y41dc w98d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse6 wse1\">2,<span class=\"_ _0\"></span>682.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd80 y41dc w98e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">74<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd81 y41dc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd82 y41dc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd83 y41dc w98f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>42<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd84 y41dc w990 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd85 y41dc w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41dd w97b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd86 y41de w991 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">22<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd87 y41de w992 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">242<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd88 y41de w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd89 y41de w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8a y41de w993 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">462.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8b y41de w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8c y41de w97f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41df w980 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd8d y41e0 w994 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">13.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8e y41e0 w11f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>30.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8f y41e0 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd90 y41e0 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd91 y41e0 w995 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">343.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd92 y41e0 w983 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd93 y41e0 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">100<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41e1 w985 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41e2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd94 y41e2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd95 y41e2 w5a4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls119 ws1a\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd96 y41e2 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd97 y41e2 w5a4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls119 ws1a\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd98 y41e2 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd99 y41e2 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41e3 w988 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41e4 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd94 y41e4 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9a y41e4 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9b y41e4 w996 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">32<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9c y41e4 w996 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">32<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9d y41e4 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9e y41e4 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xd9f y41e5 w997 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>9,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda0 y41e5 w8bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda1 y41e5 w998 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda2 y41e5 w999 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda3 y41e5 w99a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda4 y41e5 w99b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lseb ws27\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y41e6 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2f9\"> </span><span class=\"ff2 fs6 fc4 ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y41e7 ff1 fs6 fc4 sc0 lse6 wse1\">OSB<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41e8 w974 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xda5 y41e8 w99c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda6 y41e8 w99d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda7 y41e8 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd61 y41e8 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda8 y41e8 w99e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">4,866.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda9 y41e8 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdaa y41e8 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41e9 w978 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdab y41e9 w99f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">6,062.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdac y41e9 w9a0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsd4 ws24\">1,39<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdad y41e9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdae y41e9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdaf y41e9 w9a1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">7<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>459<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb0 y41e9 w631 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb1 y41e9 w634 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ea w97b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdb2 y41ea w9a2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">543.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb3 y41ea w9a3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">5<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb4 y41ea w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb5 y41ea w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb6 y41ea w9a4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>49<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb7 y41ea w9a5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb8 y41ea w9a6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41eb w980 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdb9 y41eb w9a7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdba y41eb w9a8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">55<span class=\"_ _3\"></span>8.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbb y41eb w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbc y41eb w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbd y41eb w9a9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">606.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbe y41eb w9aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbf y41eb w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ec w985 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc0 y41ec w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92f y41ec w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc1 y41ec w9ac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4<span class=\"_ _3\"></span>94.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd61 y41ec w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc2 y41ec w9ad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">49<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc3 y41ec w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc4 y41ec w9ae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ed w988 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc5 y41ed w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc6 y41ed w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc7 y41ed w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc8 y41ed w9af hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc9 y41ed w9af hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdca y41ed w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdcb y41ed w9ae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y41ee ff1 fs6 fc4 sc0 ls9e ws9b\">CCFS<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41ef w974 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdcc y41ef w9b0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">6,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdcd y41ef w9b1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">6<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdce y41ef w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdcf y41ef w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd0 y41ef w9b2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">6,837<span class=\"_ _2\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd1 y41ef w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd2 y41ef w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f0 w978 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdd3 y41f0 w9b3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">2,<span class=\"_ _0\"></span>934<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd4 y41f0 w9b4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">653.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd59 y41f0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd5 y41f0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd6 y41f0 w9b5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">3,588.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd7 y41f0 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd8 y41f0 w9b6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f1 w97b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdd9 y41f1 w9b7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">168.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdda y41f1 w9b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">213.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddb y41f1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddc y41f1 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddd y41f1 w246 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">381.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdde y41f1 w634 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddf y41f1 w9aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f2 w980 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xde0 y41f2 w9b9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">6.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde1 y41f2 w9ba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde2 y41f2 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde3 y41f2 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde4 y41f2 w9bb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">325.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde5 y41f2 w9aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde6 y41f2 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f3 w985 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc0 y41f3 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92f y41f3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde7 y41f3 w9bc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde8 y41f3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde9 y41f3 w9bd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"> </span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdea y41f3 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdeb y41f3 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f4 w988 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc5 y41f4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc6 y41f4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc7 y41f4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdec y41f4 w9be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xded y41f4 w9be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdee y41f4 w9ae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdef y41f4 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xdf0 y3d15 w9bf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15d ws16c\">2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf1 y3d15 w9c0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf2 y3d15 w533 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">7<span class=\"_ _3\"></span>11.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf3 y3d15 w9c1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf4 y3d15 w9c2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">25,897<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs613\">The tables belo<span class=\"_ _0\"></span>w show the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other financial assets and deriv<span class=\"_ _0\"></span>atives by credit risk r<span class=\"_ _0\"></span>ating </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs614\">grade<span class=\"_ _0\"></span>. The credit grade is base<span class=\"_ _0\"></span>d on the external credit r<span class=\"_ _0\"></span>ating of the counterparty; AAA to AA<span class=\"_ _0\"></span>- </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs615\">are r<span class=\"_ _0\"></span>ated Excellent; A+ t<span class=\"_ _0\"></span>o A- ar<span class=\"_ _0\"></span>e rated Good; and BBB+ to BBB- ar<span class=\"_ _0\"></span>e rated Satisf<span class=\"_ _0\"></span>actory.<span class=\"_ _35a\"> </span></div><div class=\"gs616\"><table class=\"s w9c3 h120\" id=\"_d133f91b-4550-466d-8eb5-a3e06bdf02c1\"><tr><td></td><td class=\"t m1 xa1b h21 y41f5 ff1 fs5 fc5 sc0 ls0 ws0\">Excellent<span class=\"_ _35a\"> </span></td><td class=\"t m1 xdf5 h21 y41f5 ff1 fs5 fc5 sc0 lsb ws8\">Good<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e2 h21 y41f5 ff1 fs5 fc5 sc0 ls0 ws0\">Satisfactory<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y41f5 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y41f7 w4b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf6 y41f8 w9c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,43<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf7 y41f8 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf8 y41f8 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf9 y41f8 w9c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,43<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y41fa w9c5 hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y41fb w9c6 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">3<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>7.<span class=\"_ _18\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfb y41fb w9c7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsff wsff\">26<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfc y41fb w110 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">14.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfd y41fb w9c8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41fc w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfe y41fd w9c9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">174.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdff y41fd w9ca hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe00 y41fd wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe01 y41fd w9cb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe02 y41fe w9cc hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>,736.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe03 y41fe w9cd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">403.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe04 y41fe w19 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">1<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe05 y41fe w9ce hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>154.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y41ff ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _279\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4200 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe06 y4201 w9cf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">62<span class=\"_ _3\"></span>1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe07 y4201 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe08 y4201 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe09 y4201 w9d0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">621.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4202 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to credit </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4203 ff2 fs6 fc4 sc0 ls0 ws0\">institutio<span class=\"_ _3\"></span>ns<span class=\"_ _35a\"> </span></td><td class=\"c n xdfa y4204 w9d1 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscb wsc9\">2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0a y4204 w9d2 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0b y4204 w9d3 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls4 wsc8\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0c y4204 w9d4 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls149 ws152\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0d y3fb5 w9d5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0e y3fb5 w9d6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0f y3fb5 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe10 y3fb5 w5ae hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe11 y3f5f w9d7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe12 y3f5f w9d8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls6f ws6b\">64<span class=\"_ _3\"></span>8.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe13 y3f5f w809 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe14 y3f5f w9d9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _1\"></span>,96<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs617\">Cred<span class=\"_ _3\"></span>it risk \u2013 loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to credit i<span class=\"_ _3\"></span>nstitutions and inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs618\">The Group holds treasury ins<span class=\"_ _0\"></span>truments in or<span class=\"_ _0\"></span>der to meet liquidity requiremen<span class=\"_ _0\"></span>ts and for general </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs619\">business purposes. The cr<span class=\"_ _0\"></span>edit risk arising from these inv<span class=\"_ _0\"></span>estment<span class=\"_ _0\"></span>s is closely monitored and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs61a\">managed by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s T<span class=\"_ _2\"></span>reasury function. In managing these assets, Gr<span class=\"_ _0\"></span>oup T<span class=\"_ _0\"></span>reasury oper<span class=\"_ _0\"></span>ates </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs61b\">within guidelines laid down in the Gr<span class=\"_ _0\"></span>oup Mark<span class=\"_ _0\"></span>et and Liquidity Risk Policy approve<span class=\"_ _0\"></span>d by AL<span class=\"_ _0\"></span>CO </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs61c\">and performance is monitored and r<span class=\"_ _0\"></span>epor<span class=\"_ _3\"></span>ted t<span class=\"_ _0\"></span>o AL<span class=\"_ _0\"></span>CO monthly, including through the use of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs61d\">an<span class=\"_ gs2a\"> </span>internally de<span class=\"_ _0\"></span>veloped r<span class=\"_ _0\"></span>ating model based on counterparty credit default s<span class=\"_ _0\"></span>wap<span class=\"_ gs2a\"> </span>spre<span class=\"_ _0\"></span>ads.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs61e\">The Group has limited e<span class=\"_ _0\"></span>xposure to emer<span class=\"_ _0\"></span>ging market<span class=\"_ _0\"></span>s (Indian operations) and non-inv<span class=\"_ _0\"></span>estment </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs61f\">grade debt. AL<span class=\"_ _2\"></span>CO is responsible for approving tr<span class=\"_ _0\"></span>easury counterparties.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws24 gs620\">During the year<span class=\"_ _0\"></span>, the av<span class=\"_ _0\"></span>erage balance of cash in hand, loans and adv<span class=\"_ _0\"></span>ances to credit ins<span class=\"_ _0\"></span>titutions </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs621\">and inv<span class=\"_ _0\"></span>estment securities on a month<span class=\"_ _0\"></span>ly basis was \u00a34<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>081.1m (<span class=\"_ _0\"></span>2023: \u00a33,<span class=\"_ _0\"></span>848.3m).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs623\">The table belo<span class=\"_ _0\"></span>w shows the indus<span class=\"_ _0\"></span>try sector of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s loans and advances to cr<span class=\"_ _0\"></span>edit </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs624\">institutions and in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities:<span class=\"_ _35a\"> </span></div><div class=\"gs4cd\"><table class=\"s w9da h121\" id=\"_6b7fce9f-7f70-4ec9-a4ef-da835aea07c2\"><tr><td></td><td class=\"c n x8c1 y4205 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x8c2 y4205 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe15 y4206 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe16 y4206 w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe17 y4206 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe18 y4206 w908 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4208 w9db hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse6 wse1\">BoE</div><div class=\"t m1 xe19 h20 y4207 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1a y4209 w9dc h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1b y4209 w9dd h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsb ws8\">63<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1c y4209 w9de h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1d y4209 w9df h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls149 ws152\">68<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y420a w9e0 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er banks<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1e y420b w9e1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">35<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1f y420b w955 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe20 y420b w9e2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe21 y420b w9e3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">14<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd3 w9e4 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Central gove<span class=\"_ _3\"></span>rnment<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe22 y3dd4 w9e5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>26.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe23 y3dd4 w8a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe24 y3dd4 w9e6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe25 y3dd4 w9e7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd5 w445 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Securitisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe26 y3dd6 w9e8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe27 y3dd6 w9e9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe28 y3dd6 w9ea hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">325.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7c y3dd6 w9e7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe29 y3d5a w9eb hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">4,<span class=\"_ _3\"></span>840.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2a y3d5a w52f hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsd2 wsd1\">10<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2b y3d5a w9ec hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls149 ws152\">3,<span class=\"_ _0\"></span>435.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3d5a w8d4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsc7 wsc4\">100<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs625\">1. <span class=\"_ _14\"> </span>2<span class=\"_ _3\"></span>023 Ba<span class=\"_ _3\"></span>lanc<span class=\"_ _3\"></span>es wi<span class=\"_ _3\"></span>th the B<span class=\"_ _3\"></span>oE in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>e \u00a369<span class=\"_ _0\"></span>.6m h<span class=\"_ _3\"></span>eld i<span class=\"_ _3\"></span>n the ca<span class=\"_ _3\"></span>sh rati<span class=\"_ _3\"></span>o dep<span class=\"_ _3\"></span>osi<span class=\"_ _3\"></span>t.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs626\">The table belo<span class=\"_ _0\"></span>w shows the geogr<span class=\"_ _0\"></span>aphical exposure of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s loans and advances to credit </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs627\">institutions and in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities:<span class=\"_ _35a\"> </span></div><div class=\"gs628\"><table class=\"s w9ed h122\" id=\"_a4bf2bcd-8c97-45cc-b54f-665d21115a2e\"><tr><td></td><td></td><td class=\"c n x8c1 y420c w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x8c2 y420c w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe15 y420d w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe16 y420d w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe17 y420d w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe18 y420d w908 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y420e w9ee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">United K<span class=\"_ _3\"></span>ingdom<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2c y420f w896 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2d y420f w970 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2e y420f w9ef hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2f y420f w9f0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd wsd0\">99<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd5 w9f1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe30 y3dd6 w894 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">19.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe31 y3dd6 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe32 y3dd6 w9f2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe33 y3dd6 w947 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe29 y3d5a w9eb hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">4,<span class=\"_ _3\"></span>840.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2a y3d5a w52f hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsd2 wsd1\">10<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2b y3d5a w9ec hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls149 ws152\">3,<span class=\"_ _0\"></span>435.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3d5a w8d4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsc7 wsc4\">100<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs629\">The Group monitor<span class=\"_ _0\"></span>s exposure concentr<span class=\"_ _0\"></span>ations against a variety o<span class=\"_ _0\"></span>f criteria, including asset </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs62a\">class, sect<span class=\"_ _0\"></span>or and geography. T<span class=\"_ _0\"></span>o av<span class=\"_ _0\"></span>oid refinancing risk<span class=\"_ _0\"></span>s associated with any one counterparty, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs62b\">sector or geogr<span class=\"_ _0\"></span>aphical region, the Board has set appr<span class=\"_ _0\"></span>opriate limits. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs62c\">For further information on Credit risk please r<span class=\"_ _0\"></span>efer to pages 64<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs62e\">Liquidity risk<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs62f\">Liquidity risk is the risk of having insufficient liquid assets to fulfil obligations as they become </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs630\">due or the cost o<span class=\"_ _0\"></span>f raising liquid funds becoming too expensiv<span class=\"_ _0\"></span>e. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs631\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s approach t<span class=\"_ _0\"></span>o managing liquidity risk is to maintain sufficient liquid resources to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs632\">cov<span class=\"_ _0\"></span>er cash flow imbalances and fluctuations in funding in or<span class=\"_ _0\"></span>der to retain full public confidence </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs633\">in the solvency of the Gr<span class=\"_ _0\"></span>oup and to enable the Group to meet its financial obligations as they </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs634\">fall due<span class=\"_ _0\"></span>. This is achieved thr<span class=\"_ _0\"></span>ough maintaining a prudent le<span class=\"_ _0\"></span>vel of liquid assets and contr<span class=\"_ _0\"></span>ol of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs635\">gro<span class=\"_ _0\"></span>wth of the business. The Gr<span class=\"_ _0\"></span>oup has established call accoun<span class=\"_ _0\"></span>ts with the BoE and has access </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs636\">to its contingen<span class=\"_ _0\"></span>t liquidity facilities.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs637\">The Board has delegat<span class=\"_ _0\"></span>ed the responsibility for liquidity management t<span class=\"_ _0\"></span>o the Chief Executive </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs638\">Officer<span class=\"_ _0\"></span>, assisted by AL<span class=\"_ _2\"></span>CO, with day-t<span class=\"_ _0\"></span>o-day management delegated to T<span class=\"_ _2\"></span>reasury as detailed in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs639\">the Group Mark<span class=\"_ _0\"></span>et and Liquidity Risk Policy. The Board is r<span class=\"_ _0\"></span>esponsible for setting risk appetite </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63a\">limits ov<span class=\"_ _0\"></span>er the level and maturity pr<span class=\"_ _0\"></span>ofile of funding and for monitoring the composition o<span class=\"_ _0\"></span>f the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63b\">Group financial position.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63c\">The Group also monitor<span class=\"_ _0\"></span>s a range of trigger<span class=\"_ _0\"></span>s which are designed to captur<span class=\"_ _0\"></span>e liquidity stresses </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63d\">in advance in order t<span class=\"_ _0\"></span>o allow sufficient time for management action to t<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>e ef<span class=\"_ _3\"></span>fect. These ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63e\">monitored daily, with br<span class=\"_ _0\"></span>eaches immediately reported to the Gr<span class=\"_ _0\"></span>oup Chief Risk Of<span class=\"_ _3\"></span>ficer<span class=\"_ _0\"></span>, Chie<span class=\"_ _0\"></span>f </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs63f\">Executiv<span class=\"_ _0\"></span>e Of<span class=\"_ _3\"></span>ficer<span class=\"_ _0\"></span>, Chief Financial Officer and the Group T<span class=\"_ _2\"></span>reasurer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs641\">The tables belo<span class=\"_ _0\"></span>w show the maturity profile f<span class=\"_ _0\"></span>or the Group\u2019<span class=\"_ _2\"></span>s financial assets and liabilities based </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs642\">on contr<span class=\"_ _0\"></span>actual maturities at the reporting date:<span class=\"_ _35a\"> </span></div><div class=\"gs4cd\"><table class=\"s w9f3 h123\" id=\"_266d9abb-e799-4ddd-a9ee-87084ba836c4\"><tr><td></td><td class=\"t m1 x69a h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td></td><td class=\"t m1 xe34 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\">Less than 3 </td><td class=\"t m1 xe35 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td class=\"t m1 x6a2 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135  </td><td class=\"t m1 xe36 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbfa h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">On demand<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe38 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c2 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 x799 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td><td class=\"t m1 x400 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4213 ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _2cf\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4214 w44 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe39 y4215 w8d4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3a y4215 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3b y4215 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3c y4215 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3d y4215 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3e y4215 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4216 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4217 w9f4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">to<span class=\"_ gs2a\"> </span>credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3f y4218 w9f5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe40 y4218 w9f6 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,386.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe41 y4218 w9f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">12.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe42 y4218 w9f8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">6.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe43 y4218 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe44 y4218 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4219 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe45 y421a w9f9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe46 y421a w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe47 y421a w9fa hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">606.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe48 y421a w9fb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe49 y421a w526 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4a y421a w9fc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">53.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y421b ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y421c w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4b y421d w9fe hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">25,<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4c y421d w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4d y421d w9ff hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">212<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4e y421d wa00 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4<span class=\"_ _3\"></span>80.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4f y421d wa01 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">1,<span class=\"_ _3\"></span>831.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe50 y421d wa02 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _3\"></span>,601.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y421e w5b8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe51 y421f wa03 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe52 y421f w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe53 y421f wa04 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe54 y421f wa05 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">25.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe55 y421f wa06 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">274.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe56 y421f w990 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">2.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4220 wa07 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe57 y4220 wa08 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">30,2<span class=\"_ _3\"></span>80.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe58 y4220 wa09 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,386.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe59 y4220 w810 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">8<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5a y4220 wa0a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5b y4220 wa0b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">2,753.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5c y4220 wa0c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4221 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4222 ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _107\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4223 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5d y4224 wa0e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5e y4224 wa0f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">7<span class=\"_ _2\"></span>,314.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5f y4224 wa10 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7,<span class=\"_ _18\"> </span>2<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe60 y4224 wa11 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">8<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe61 y4224 wa12 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe62 y4224 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4225 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4226 w850 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls137 ws13b\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe64 y4226 w6ab hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">160.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe65 y4226 w6d1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">321.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe66 y4226 wa13 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,<span class=\"_ _0\"></span>453.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe67 y4226 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe68 y4226 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4228 wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y4229 wa14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6a y4229 w839 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6b y4229 wa15 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">5.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6c y4229 wa16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">98.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6d y4229 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6e y4229 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422a w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6f y422b wa17 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1b ws17\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe70 y422b w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe71 y422b wa18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe72 y422b wa19 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe73 y422b wa1a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">71.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe74 y422b w64a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422c w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe75 y422d wa1b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe76 y422d w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe77 y422d w660 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe78 y422d w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe79 y422d wa1c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7a y422d w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422e w86 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7b y422f wab hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4c y422f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7c y422f wa1d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7d y422f wa1e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7e y422f wa1f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">6<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7f y422f w8c8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4230 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe80 y3dcc wa20 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe46 y3dcc w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe81 y3dcc w9d5 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">2<span class=\"_ _3\"></span>5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe82 y3dcc w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe83 y3dcc wa21 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe84 y3dcc w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4231 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe85 y4232 wa22 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">2<span class=\"_ _1\"></span>59.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe86 y4232 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe87 y4232 wa23 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">1<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe82 y4232 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe88 y4232 w931 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe89 y4232 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4233 wa24 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8a y4233 wa25 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">27<span class=\"_ _2\"></span>,952.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8b y4233 wa26 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8c y4233 wa27 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8d y4233 wa28 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsed wse8\">9,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8e y4233 wa29 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsf9 wsf7\">3<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8f y4233 we6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4234 ff1 fs6 fc4 sc0 ls61 ws5d\">Cumulati<span class=\"_ _3\"></span>ve </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a wa2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">liquidity<span class=\"_ gs5ed\"> </span>gap<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xe90 y3d5a wa2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls17 ws13\">(<span class=\"_ _3\"></span>4,089<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe91 y3d5a wa2c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsd4 ws24\">(<span class=\"_ _0\"></span>10,880.<span class=\"_ _0\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe92 y3d5a wa2d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9,<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe93 y3d5a wa2e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">(2<span class=\"_ _3\"></span>0,3<span class=\"_ _3\"></span>27<span class=\"_ _0\"></span>.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe94 y3d5a wa2f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls59 wsde\">2<span class=\"_ _3\"></span>,328.5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"gs644\"><table class=\"s wa30 h125\" id=\"_7c98fdff-8306-49a1-b365-593fe899f32a\"><tr><td></td><td class=\"t m1 xe95 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td></td><td class=\"t m1 xa17 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\">Less than 3 </td><td class=\"t m1 xe96 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td class=\"t m1 x6f6 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135  </td><td class=\"t m1 xb1e h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 x85d h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6ef h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">On demand<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe97 h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe98 h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe99 h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9a h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4237 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y4238 ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4239 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4239 w46 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4239 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9f y4239 w6d4 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea0 y4239 w6d4 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y4239 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea2 y4239 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y423a w9c5 h126\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea3 y423a wa31 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea4 y423a wa32 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">2,62<span class=\"_ _3\"></span>3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea5 y423a wa33 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea6 y423a w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea7 y423a wa34 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x750 y423a wa35 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">41<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y423b w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea8 y423b wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea9 y423b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeaa y423b wa37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">10<span class=\"_ _3\"></span>1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeab y423b wa38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>01.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeac y423b wa39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">218.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xead y423b w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y423c ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y423d w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y423d w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeaf y423d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb0 y423d wa3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">249<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb1 y423d wa3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">4<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb2 y423d wa3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb3 y423d wa3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">23,663.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y423e w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb4 y423e wa3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb5 y423e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb6 y423e w512 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb7 y423e wa3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb8 y423e wa40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">444.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb9 y423e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y423f w6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeba y4240 wa41 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebb y4240 wa42 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>62<span class=\"_ _3\"></span>4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebc y4240 wa43 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebd y4240 w778 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">8<span class=\"_ _3\"></span>50.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebe y4240 wa44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">2<span class=\"_ _3\"></span>,17<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebf y4240 wa45 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">23,7<span class=\"_ _0\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4241 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y4242 ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4243 wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec0 y4243 wa46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec1 y4243 wa47 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4,<span class=\"_ _3\"></span>22<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec2 y4243 wa48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec3 y4243 wa49 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec4 y4243 wa4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>67<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec5 y4243 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4244 wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4244 wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec6 y4244 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec7 y4244 wa4c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec8 y4244 wa4d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec9 y4244 wa4e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">3<span class=\"_ _1\"></span>,45<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa06 y4244 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4245 wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y4245 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecb y4245 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecc y4245 wa4f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecd y4245 wa50 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">18.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xece y4245 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecf y4245 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4246 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed0 y4246 w85 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed1 y4246 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed2 y4246 wa51 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed3 y4246 wa52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed4 y4246 wa53 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed5 y4246 wa54 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4247 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y4247 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea9 y4247 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed7 y4247 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed8 y4247 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed9 y4247 wa55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeda y4247 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4248 w86 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbab y4248 wa56 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedb y4248 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedc y4248 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedd y4248 w652 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xede y4248 wa57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedf y4248 wa58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4249 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y4249 wa59 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee1 y4249 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee2 y4249 wa5a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee3 y4249 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee4 y4249 wa5b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">298<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeda y4249 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y424a w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee5 y424a w9b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee6 y424a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee7 y424a wa5c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee8 y424a w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee9 y424a wa5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab2 y424a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y424b wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeea y424b wa5f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeeb y424b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeec y424b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeed y424b wa60 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeee y424b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f6 y424b w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y424c wa61 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeef y424d wa62 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _18\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef0 y424d wa63 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>20<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef1 y424d wa64 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">6<span class=\"_ _1\"></span>,<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef2 y424d wa65 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">9,1<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef3 y424d wa66 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _18\"> </span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef4 y424d wa67 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y424e ff1 fs6 fc4 sc0 ls61 ws5d\">Cumulative </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3f5f wa2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">liquidity<span class=\"_ gs5ed\"> </span>gap<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xef5 y3d5a wa68 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">(1<span class=\"_ _0\"></span>,596.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef6 y3d5a wa69 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">(<span class=\"_ _18\"> </span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"> </span>7<span class=\"_ _19\"> </span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef7 y3d5a wa6a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>41<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef8 y3d5a wa6b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(2<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb4 y3d5a wa6c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">2<span class=\"_ _3\"></span>,3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4.6<span class=\"_ _35a\"> </span></div></td></tr></table></div>Liquidity risk \u2013 undiscounted c<span class=\"_ _3\"></span>ontractual cash flows<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f the Group\u2019<span class=\"_ _2\"></span>s gross contractual undiscoun<span class=\"_ _0\"></span>ted cash flow<span class=\"_ _0\"></span>s, derive<span class=\"_ _0\"></span>d using interes<span class=\"_ _0\"></span>t rates and contr<span class=\"_ _0\"></span>actual maturities at the reporting date and<span class=\"_ gs2a\"> </span>ex<span class=\"_ _0\"></span>cluding impacts of early payments or non-paymen<span class=\"_ _0\"></span>ts:<span class=\"_ _35a\"> </span><table class=\"s w9f3 h127\" id=\"_eae632e0-2856-4934-a5cc-9998bf8f6ee6\"><tr><td></td><td></td><td class=\"t m1 x796 h21 y424f ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xef9 h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">inflow/ </td><td class=\"t m1 xefa h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">Up to 3 </td><td class=\"t m1 xe35 h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td></td><td></td><td class=\"t m1 xe36 h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">outflow<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe38 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c2 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">months</td><td></td><td class=\"t m1 x2c8 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135 years<span class=\"_ _35a\"> </span></td><td class=\"t m1 x400 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 x79e h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4253 ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _2cf\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4254 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe39 y4255 w8d4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3a y4255 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xefb y4255 w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xefc y4255 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xefd y4255 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xefe y4255 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4256 w9c5 h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeff y4257 wa6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf00 y4257 wa6e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,406.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf01 y4257 wa6f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls69 ws1e\">3,399<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf02 y4257 w5aa hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">6.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf03 y4257 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf04 y4257 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4258 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe45 y4259 w9f9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf05 y4259 wa70 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,558.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf06 y4259 w96c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">6<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf07 y4259 wa71 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">159.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf08 y4259 wa72 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">725<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf09 y4259 wa73 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">5<span class=\"_ _3\"></span>4.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y425a ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y425b w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4b y425c w9fe hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">25,<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0a y425c wa74 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse6 wse1\">62,<span class=\"_ _0\"></span>539<span class=\"_ _2\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0b y425c wa75 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">553.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0c y425c wa76 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf0d y425c wa77 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">9,<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0e y425c wa78 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">50,851<span class=\"_ _0\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y425d w5b8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe51 y425e wa03 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0f y425e w7e5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">325.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf10 y425e wa79 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">6<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf11 y425e wa7a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf12 y425e w9e6 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">12<span class=\"_ _3\"></span>1.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf13 y425e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4220 wa07 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe57 y4220 wa08 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">30,2<span class=\"_ _3\"></span>80.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf14 y4220 wa7b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">67<span class=\"_ _2\"></span>,828.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf15 y4220 wa7c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf16 y4220 w114 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf17 y4220 wa7d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf18 y4220 wa7e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">50,<span class=\"_ _0\"></span>906.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y425f ff2 fs6 fc4 sc0 ls0 ws0\">Off-balanc<span class=\"_ _3\"></span>e sheet </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4260 wa7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">loan<span class=\"_ gs2a\"> </span>c<span class=\"_ _3\"></span>ommitments<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf19 y4261 w97d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls18 ws19\">987<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1a y4261 w77e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">987<span class=\"_ _2\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1b y4261 wa80 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">987<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1c y4261 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf1d y4261 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1e y4261 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4262 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4263 ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _107\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4225 wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5d y4264 wa0e hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse8 wse3\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1f y4264 wa81 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">25,520.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf20 y4264 wa82 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">15<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf21 y4264 wa83 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">8<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>929<span class=\"_ _0\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf22 y4264 wa84 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf23 y4264 wa85 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf24 y4264 w64b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4265 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4266 w850 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls137 ws13b\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf25 y4266 wa86 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">1,9<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf26 y4266 wa87 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">4<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf27 y4266 wa88 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf28 y4266 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf29 y4266 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4267 wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y3d4d wa14 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsed wse8\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2a y3d4d wa89 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2b y3d4d we6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2c y3d4d wa15 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">5.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf2d y3d4d w9ca hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">98.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf29 y3d4d w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4268 w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6f y3d4f wa17 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1b ws17\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2e y3d4f wa8a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">88<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2f y3d4f wa8b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls12 ws10\">11.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf30 y3d4f wa8c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">14.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf31 y3d4f wa8d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">62<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf32 y3d4f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4269 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe75 y3d51 wa1b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf33 y3d51 wa8e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf34 y3d51 wa8f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf35 y3d51 w52c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">95<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf36 y3d51 wa90 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf37 y3d51 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y426a w86 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7b y3fd3 wab hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf38 y3fd3 wa91 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf39 y3fd3 wa92 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">0.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3a y3fd3 wa93 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf3b y3fd3 wa94 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x295 y3fd3 w8c8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e7 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe80 y3d55 wa20 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3c y3d55 wa95 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">945.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3d y3d55 wa96 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3e y3d55 wa97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">32.0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf3f y3d55 wa98 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">881.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe44 y3d55 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e9 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe85 y3d58 wa22 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">2<span class=\"_ _1\"></span>59.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf40 y3d58 wa99 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">343.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf41 y3d58 wa9a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">12.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf42 y3d58 wa9b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">12<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf43 y3d58 wa9c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">318.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf44 y3d58 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wa24 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8a y3d5a wa25 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">27<span class=\"_ _2\"></span>,952.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf45 y3d5a wa9d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsf9 wsf7\">3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf46 y3d5a wa9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15,988.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf47 y3d5a wa9f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">10,598<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf48 y3d5a waa0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf49 y3d5a waa1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr></table><div class=\"gs5e4\"><table class=\"s wa30 h128\" id=\"_a6a40665-ef29-4337-8bc6-17e8bb723693\"><tr><td></td><td></td><td class=\"t m1 xf4a h21 y426b ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe95 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x6f3 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">inflow/ </td><td class=\"t m1 xf4b h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">Up to 3 </td><td class=\"t m1 xe96 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td class=\"t m1 x6f6 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135  </td><td class=\"t m1 xb1e h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 x85d h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">outflow<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe97 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe98 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe99 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9a h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y426e ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y426f ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4270 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4270 w46 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4270 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4c y4270 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4d y4270 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4e y4270 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4f y4270 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4271 w9c5 h129\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea3 y4271 wa31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf50 y4271 wa31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf51 y4271 waa2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf52 y4271 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf53 y4271 wa34 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">128<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf54 y4271 waa3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">41<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4272 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea8 y4272 wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf55 y4272 waa4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">67<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf56 y4272 waa5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf57 y4272 waa6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">32<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf58 y4272 waa7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">252.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf59 y4272 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4273 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4274 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y4274 w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5a y4274 waa8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">66,59<span class=\"_ _0\"></span>3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5b y4274 waa9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsef wsea\">5<span class=\"_ _3\"></span>61.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5c y4274 waaa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1,<span class=\"_ _0\"></span>93<span class=\"_ _3\"></span>1.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5d y4274 waab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5e y4274 waac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">54,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>68<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4275 w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb4 y4275 wa3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5f y4275 waad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">54<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf60 y4275 waae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf61 y4275 waaf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf62 y4275 wab0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">193.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x292 y4275 wab1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4276 w6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeba y4277 wa41 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf63 y4277 wab2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">70,627<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf64 y4277 wab3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf65 y4277 wab4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf66 y4277 wa29 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">10,<span class=\"_ _0\"></span>107<span class=\"_ _2\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf67 y4277 wab5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4278 ff2 fs6 fc4 sc0 ls0 ws0\">Off-balanc<span class=\"_ _3\"></span>e sheet </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4279 wa7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">loan<span class=\"_ gs2a\"> </span>c<span class=\"_ _3\"></span>ommitments<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf68 y4279 wab6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf69 y4279 wab7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6a y4279 w77f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea0 y4279 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y4279 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea2 y4279 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y427a ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y427b ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y427c wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec0 y427c wa46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6b y427c wab8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6c y427c wab9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6d y427c waba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6e y427c wabb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6f y427c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y427d wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y427d wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf70 y427d wabc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">3,88<span class=\"_ _3\"></span>8.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf71 y427d waa5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf72 y427d wabd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">12<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf73 y427d wabe hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">3<span class=\"_ _3\"></span>,6<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51a y427d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y427e wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y427e w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf74 y427e w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf75 y427e wabf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">45<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf76 y427e w4c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">18.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeee y427e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f6 y427e w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y427f w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed0 y427f w85 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf77 y427f wac0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">195.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb6 y427f wac1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf78 y427f wac2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf79 y427f wac3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7a y427f wac4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4280 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y4280 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7b y4280 wac5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7c y4280 wac6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">151.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7d y4280 wac7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7e y4280 w991 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">793<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7f y4280 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4281 w86 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbab y4281 wa56 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf80 y4281 wac8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4c y4281 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf81 y4281 w652 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf82 y4281 wac9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">8.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf83 y4281 waca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4282 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y4282 wa59 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf84 y4282 wacb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">414.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf85 y4282 wee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">14.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf86 y4282 wee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">1<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf87 y4282 wacc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">3<span class=\"_ _3\"></span>85.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc59 y4282 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4283 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee5 y4283 w9b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf88 y4283 w4fc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">3<span class=\"_ _3\"></span>68.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf89 y4283 wacd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf76 y4283 wacd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8a y4283 w913 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">343.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8b y4283 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4284 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeea y4284 wa5f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8c y4284 w5f8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8d y4284 wace hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8e y4284 wacf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8f y4284 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf90 y4284 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d14 wa61 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeef y3d15 wa62 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _18\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf91 y3d15 wad0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,4<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf92 y3d15 wad1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">10,718.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf93 y3d15 wad2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf94 y3d15 w999 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">8<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf95 y3d15 w848 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs64c\">The actual repayment pr<span class=\"_ _0\"></span>ofile of ret<span class=\"_ _0\"></span>ail deposits may dif<span class=\"_ _3\"></span>fer from the analysis abo<span class=\"_ _0\"></span>ve due to the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs64d\">option of early withdr<span class=\"_ _0\"></span>awal with a penalty.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs64f\">Cash flows on PSBs ar<span class=\"_ _0\"></span>e disclosed up to the next in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate reset date<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs650\">The actual repayment pr<span class=\"_ _0\"></span>ofile of loans and advances to cus<span class=\"_ _0\"></span>tomers may differ from the analysis </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs651\">abov<span class=\"_ _0\"></span>e since many mor<span class=\"_ _3\"></span>tgage loans ar<span class=\"_ _0\"></span>e repaid prior to the contr<span class=\"_ _0\"></span>actual end date.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs652\">Liquidity risk \u2013 asset enc<span class=\"_ _3\"></span>umbrance<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs653\">Asset encumbrance le<span class=\"_ _0\"></span>vels are monitor<span class=\"_ _0\"></span>ed by AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>. The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs654\">the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s encumbered and unencumber<span class=\"_ _0\"></span>ed assets:<span class=\"_ _35a\"> </span></div><div class=\"gs655\"><table class=\"s wad3 h12a\" id=\"_b3c9a3d7-2d1d-494b-bedb-8c14494a0d5e\"><tr><td></td><td class=\"c n xf96 y4285 wad4 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Encumbered<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf97 y4285 wad5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Unencumbered<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x69e h21 y4286 ff1 fs5 fc5 sc0 ls0 ws0\">Pledged as </td><td></td><td class=\"t m1 xf98 h21 y4286 ff1 fs5 fc5 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>ailable as </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xf99 h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">collateral<span class=\"_ _35a\"> </span></td><td class=\"c xf9b y4288 wad6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Other</div><div class=\"t m1 xf9a h39 y40ab ff1 fs1e fc5 sc0 ls0 ws0\">1</div></td><td class=\"t m1 xf9c h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">collateral<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadb h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">Other<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4287 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x891 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y428a w44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9d y428b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9e y428b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9f y428b w10a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa0 y428b wf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa1 y428b w537 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y428c w9c5 hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa2 y428d w9ad hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">134.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa3 y428d wad7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">40.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa4 y428d w9dc hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa5 y428d wad8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7<span class=\"_ _1\"> </span>7.<span class=\"_ _18\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa6 y428d wad9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y428e w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa7 y428f wada hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">22.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa8 y428f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa9 y428f wadb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">1,411<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfaa y428f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfab y428f w7a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4290 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4291 wadc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 xfac h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfad y4292 wadd hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfae y4292 wf9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfaf y4292 wade hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb0 y4292 wadf hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb1 y4292 wae0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">25,<span class=\"_ _0\"></span>126.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4293 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb2 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb3 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb4 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb5 y4294 w5a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb6 y4294 w9cb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4295 wae1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Non-financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb7 y4296 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb8 y4296 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb9 y4296 wf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfba y4296 wae2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbb y4296 wae3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfbc y4297 wae4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4,8<span class=\"_ _3\"></span>98.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbd y4297 wae5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">40.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbe y4297 wae6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbf y4297 wae7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc0 y4297 wae8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">30,243.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h24 y4298 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _18f\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4299 w44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc1 y429a w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc2 y429a w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc3 y429a we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a8 y429a w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc4 y429a we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y429b w9c5 h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc5 y429c wae9 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls169 ws9a\">198.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc6 y429c waea hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc7 y429c waeb hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">2,25<span class=\"_ _3\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc8 y429c waec hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc9 y429c waed hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls149 ws152\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y429d w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfca y429e waee hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcb y429e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcc y429e waef hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">5<span class=\"_ _3\"></span>94.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcd y429e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfce y429e waf0 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">621.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y429f ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y42a0 wadc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 xfac h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcf y42a1 waf1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscb wsc9\">6<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd0 y42a1 w489 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd1 y42a1 wae4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd wsd0\">17<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>808.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd2 y42a1 waf2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">1,022.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd3 y42a1 waf3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd4 y3fe6 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd5 y3fe6 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd6 y3fe6 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd7 y3fe6 waf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd8 y3fe6 w5ae hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 wae1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Non-financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb7 y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd9 y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfda y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdb y3fe8 waf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(1<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdc y3fe8 waf6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfdd y3f5f waf7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsda wsd6\">7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfde y3f5f waf8 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdf y3f5f waf9 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20,6<span class=\"_ _3\"></span>60.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe0 y3f5f wafa hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">1,668.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe1 y3f5f w7bf hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc2 wsc0\">29<span class=\"_ _0\"></span>,589<span class=\"_ _2\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs656\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Rep<span class=\"_ _3\"></span>res<span class=\"_ _3\"></span>ents a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts tha<span class=\"_ _3\"></span>t are not p<span class=\"_ _3\"></span>led<span class=\"_ _3\"></span>ged b<span class=\"_ _3\"></span>ut tha<span class=\"_ _3\"></span>t the Gro<span class=\"_ _3\"></span>up be<span class=\"_ _3\"></span>lieve<span class=\"_ _3\"></span>s it is re<span class=\"_ _3\"></span>str<span class=\"_ _3\"></span>icte<span class=\"_ _3\"></span>d from u<span class=\"_ _3\"></span>sing to s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>re fun<span class=\"_ _3\"></span>ding fo<span class=\"_ _3\"></span>r leg<span class=\"_ _3\"></span>al </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls105 ws10f gs657\">or other<span class=\"_ _0\"></span> reasons.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs658\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>U<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered l<span class=\"_ _3\"></span>oan<span class=\"_ _3\"></span>s and ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers c<span class=\"_ _3\"></span>las<span class=\"_ _3\"></span>sifie<span class=\"_ _3\"></span>d as oth<span class=\"_ _3\"></span>er are re<span class=\"_ _3\"></span>str<span class=\"_ _3\"></span>icte<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e as co<span class=\"_ _3\"></span>llate<span class=\"_ _3\"></span>ral. Th<span class=\"_ _3\"></span>ese i<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>de </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs659\">property registered<span class=\"_ _0\"></span> outside of UK<span class=\"_ _0\"></span> (Jersey and<span class=\"_ _0\"></span> Guernsey),<span class=\"_ _0\"></span> loans and advances no<span class=\"_ _0\"></span>t secured by im<span class=\"_ _0\"></span>movable property and<span class=\"_ _0\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs65a\">non-per<span class=\"_ _3\"></span>forming loans.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs65c\">Liquidity risk \u2013 liquidity reser<span class=\"_ _3\"></span>ves<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs65d\">The tables belo<span class=\"_ _0\"></span>w analyse the Group\u2019<span class=\"_ _2\"></span>s liquidity reserves, where c<span class=\"_ _0\"></span>arrying value is considered to </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs65e\">be equal to fair v<span class=\"_ _0\"></span>alue:<span class=\"_ _35a\"> </span></div><div class=\"gs65f\"><table class=\"s w6c7 h12b\" id=\"_3496e6e6-781a-4a04-91c0-f3e0603d5f18\"><tr><td></td><td class=\"t m1 x3cd h21 y42a2 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y42a2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y42a3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x27c h21 y42a3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3d51 wafb hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d balanc<span class=\"_ _3\"></span>es with c<span class=\"_ _3\"></span>entral banks<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe2 y3d52 wafc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe3 y3d51 wafd hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls32 ws30\">2,25<span class=\"_ _3\"></span>6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 wafe hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d cash and b<span class=\"_ _3\"></span>alance<span class=\"_ _3\"></span>s with other b<span class=\"_ _3\"></span>anks<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe4 y42a4 w9ea hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe5 y3fd3 waff hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 wb00 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er cash and c<span class=\"_ _3\"></span>ash equi<span class=\"_ _3\"></span>valents<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe6 y3fd6 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe7 y3fd5 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wb01 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d investme<span class=\"_ _3\"></span>nt securiti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe8 y3d57 wb02 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">1<span class=\"_ _3\"></span>,411<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe9 y3d58 wb03 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">594.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfea y3d59 wb04 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">4,643.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfeb y3d5a wb05 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">3<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs660\">Market risk<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs661\">Mark<span class=\"_ _0\"></span>et risk is the risk of an adver<span class=\"_ _0\"></span>se change in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s income or the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s net w<span class=\"_ _0\"></span>or<span class=\"_ _3\"></span>th </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs662\">arising from mov<span class=\"_ _0\"></span>ement in inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates, e<span class=\"_ _0\"></span>xchange rates or other mark<span class=\"_ _0\"></span>et prices<span class=\"_ _0\"></span>. Mark<span class=\"_ _0\"></span>et risk </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs663\">exis<span class=\"_ _0\"></span>ts, to some e<span class=\"_ _0\"></span>xtent, in all the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s businesses<span class=\"_ _0\"></span>. The Group recognises that the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs664\">management of mark<span class=\"_ _0\"></span>et risk is essen<span class=\"_ _0\"></span>tial to the maintenance of s<span class=\"_ _0\"></span>table earnings and preservation </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs665\">of shareholder v<span class=\"_ _0\"></span>alue.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs666\">Intere<span class=\"_ _3\"></span>st rate risk<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs667\">The primary mark<span class=\"_ _0\"></span>et risk faced by the Group is in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate risk. Int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk is the risk </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs668\">of<span class=\"_ gs2a\"> </span>loss from adv<span class=\"_ _0\"></span>erse mov<span class=\"_ _0\"></span>ement in the ov<span class=\"_ _0\"></span>erall lev<span class=\"_ _0\"></span>el of inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates. It arises from mismat<span class=\"_ _0\"></span>ches in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs669\">the timing of repricing o<span class=\"_ _0\"></span>f assets and liabilities, both on and off-balance sheet. The Group does </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs66a\">not run a trading book<span class=\"_ _0\"></span>, with all interes<span class=\"_ _0\"></span>t rate risk residing in the banking book (in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate risk </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs66b\">in the banking book (IRRBB)). Through prudent managemen<span class=\"_ _0\"></span>t, the Group seeks t<span class=\"_ _0\"></span>o minimise its </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws6f gs66c\">IRRBB exposures<span class=\"_ _0\"></span>, typically through matching asset<span class=\"_ _0\"></span>s and liabilities with similar tenors<span class=\"_ _0\"></span>, executing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs66d\">offsetting inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps and main<span class=\"_ _0\"></span>taining a structur<span class=\"_ _0\"></span>al hedge progr<span class=\"_ _0\"></span>amme.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs66e\">OSB and CCFS Bank<span class=\"_ _0\"></span>s apply an economic value (EV) at risk approach as well as an earnings-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs66f\">at-risk approach for in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate risk and basis risk. The in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate sensitivity is impacted by </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs670\">behavioural assumptions used by the Gr<span class=\"_ _0\"></span>oup; the most significant o<span class=\"_ _0\"></span>f which are prepayment<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs671\">and mortgage offer pipeline tak<span class=\"_ _0\"></span>e up. Expected prepaymen<span class=\"_ _0\"></span>ts and offer conver<span class=\"_ _0\"></span>sions are </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs672\">monitored and mo<span class=\"_ _0\"></span>delled on a regular basis based upon his<span class=\"_ _0\"></span>torical analysis. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs674\">The EV measure of dur<span class=\"_ _0\"></span>ation risk quantifies risk by applying six shaped int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate shocks </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs675\">scenarios to the curren<span class=\"_ _0\"></span>t forward curve<span class=\"_ _0\"></span>. Scenarios are re<span class=\"_ _0\"></span>viewe<span class=\"_ _0\"></span>d on semi-annual basis and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs676\">approv<span class=\"_ _0\"></span>ed by AL<span class=\"_ _0\"></span>CO and are based on thr<span class=\"_ _0\"></span>ee \u2018<span class=\"_ _0\"></span>shapes<span class=\"_ _0\"></span>\u2019 of curve mo<span class=\"_ _0\"></span>vement (par<span class=\"_ _0\"></span>allel, twist, flex) </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs677\">using hist<span class=\"_ _0\"></span>orical data to calibrat<span class=\"_ _0\"></span>e the severity o<span class=\"_ _0\"></span>f the shocks applied. The mos<span class=\"_ _0\"></span>t detrimental net </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs678\">present v<span class=\"_ _0\"></span>alue to these scenarios is measured agains<span class=\"_ _0\"></span>t the Board risk appetite of 1.<span class=\"_ _0\"></span>5% of Tier </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs679\">1 capital. The table belo<span class=\"_ _0\"></span>w shows the maximum decr<span class=\"_ _0\"></span>eases to net interes<span class=\"_ _0\"></span>t income under these </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs67a\">scenarios after taking into account the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fect of he<span class=\"_ _0\"></span>dging:<span class=\"_ _35a\"> </span></div><div class=\"gs67b\"><table class=\"s w441 hfa\" id=\"_22fd125c-67f8-4799-8396-136e72619b70\"><tr><td></td><td class=\"t m1 x2c8 h21 y42a5 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y42a5 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y42a6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x2cc h21 y42a6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfec y3fd6 w663 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfed y3fd5 w4c9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfee y42a7 wb06 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfef y3fe7 wb07 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xff0 y3d59 w5e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff1 y3d5a wb08 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">4.1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs67c\">The earnings measure o<span class=\"_ _0\"></span>f duration risk (EaR) quantifies the impact o<span class=\"_ _0\"></span>f changes in interes<span class=\"_ _0\"></span>t rates </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs67d\">to the net int<span class=\"_ _0\"></span>erest income of the bank within a giv<span class=\"_ _0\"></span>en 12-month time horiz<span class=\"_ _0\"></span>on. A parallel shock </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs67e\">of +/-100bps is applie<span class=\"_ _0\"></span>d to interes<span class=\"_ _0\"></span>t rate sensitiv<span class=\"_ _0\"></span>e instrument<span class=\"_ _0\"></span>s to determine EaR sensitivity of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs67f\">the Group, assuming a cons<span class=\"_ _0\"></span>tant balance sheet. EaR risk appetite limit<span class=\"_ _0\"></span>s are approv<span class=\"_ _0\"></span>ed by the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs680\">Board, and curr<span class=\"_ _0\"></span>ently set at 4% of full-year net int<span class=\"_ _0\"></span>erest income (NII). The table belo<span class=\"_ _0\"></span>w shows the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs681\">maximum decreases after taking int<span class=\"_ _0\"></span>o account the effect of hedging:<span class=\"_ _35a\"> </span></div><div class=\"gs682\"><table class=\"s w441 hfa\" id=\"_7a514d9c-b043-44b4-b21b-c2366583b895\"><tr><td></td><td class=\"t m1 x2c8 h21 y42a8 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y42a8 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y42a9 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x2cc h21 y42a9 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff2 y3fd6 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff3 y3fd5 w512 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">6.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff4 y42a7 wb09 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">6.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff5 y3fe7 w636 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xff6 y3f5f wb0a hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff7 y3d5a w8e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs683\">EaR quantifies the impact of changes in in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rates to the net in<span class=\"_ _0\"></span>terest income within a giv<span class=\"_ _0\"></span>en </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs684\">3-year time horiz<span class=\"_ _0\"></span>on. A parallel shock of +/-100bps is applie<span class=\"_ _0\"></span>d to interes<span class=\"_ _0\"></span>t rate sensitiv<span class=\"_ _0\"></span>e instrument<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs685\">to determine EaR sensitivity o<span class=\"_ _0\"></span>f the Group, assuming a const<span class=\"_ _0\"></span>ant balance sheet. EaR risk appetite </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs686\">limits are appr<span class=\"_ _0\"></span>oved by the Boar<span class=\"_ _0\"></span>d, and currently set at 4% of 3-ye<span class=\"_ _0\"></span>ar net interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span></div><div class=\"gs687\"><table class=\"s w166 h12c\" id=\"_97c4bc00-0328-47af-b30f-4025a9eaeb3d\"><tr><td></td><td class=\"t m1 x2c8 h21 y42aa ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y42aa ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y42ab ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x2cc h21 y42ab ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n x291 y3fe6 wb0b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">14.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff8 y3fd5 wb0c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">24.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff9 y3fe8 wb0d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffa y3fe7 w99d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls17 ws13\">25.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xffb y3f5f w8e5 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">33.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffc y3d5a wb0e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table></div>Basis risk measures the degr<span class=\"_ _0\"></span>ee to which the bank is sensitive to e<span class=\"_ _0\"></span>xposures repricing by varying degrees<span class=\"_ _0\"></span>, even wher<span class=\"_ _0\"></span>e their duration is the same, due t<span class=\"_ _0\"></span>o them being link<span class=\"_ _0\"></span>ed to dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent indices. These indices may be mark<span class=\"_ _0\"></span>et rates (<span class=\"_ _0\"></span>e.g. BBR or SONIA) or adminis<span class=\"_ _0\"></span>tered (<span class=\"_ _0\"></span>e.g. the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s S<span class=\"_ _0\"></span>VR, other discretionary variable r<span class=\"_ _0\"></span>ates, or that r<span class=\"_ _0\"></span>eceived on call account<span class=\"_ _0\"></span>s with other banks). The Group measures basis risk using the impac<span class=\"_ _0\"></span>t of four scenarios on net inter<span class=\"_ _0\"></span>est income ov<span class=\"_ _0\"></span>er a one-year period, with the lar<span class=\"_ _0\"></span>gest negative impact acr<span class=\"_ _0\"></span>oss the scenarios being the basis risk exposure assesse<span class=\"_ _0\"></span>d against risk appetite<span class=\"_ _0\"></span>. Dislocations between the bases are calculat<span class=\"_ _0\"></span>ed on a 1 in 20-year confidence int<span class=\"_ _0\"></span>er<span class=\"_ _3\"></span>val le<span class=\"_ _0\"></span>vel and include increasing, decr<span class=\"_ _0\"></span>easing and static base r<span class=\"_ _0\"></span>ate environmen<span class=\"_ _0\"></span>t, as well as a fourth scenario (in a decreasing r<span class=\"_ _0\"></span>ate environmen<span class=\"_ _0\"></span>t) which measures the impact of the timing lag betw<span class=\"_ _0\"></span>een the repricing of adminis<span class=\"_ _0\"></span>tered rat<span class=\"_ _0\"></span>e savings against S<span class=\"_ _0\"></span>VR link<span class=\"_ _0\"></span>ed mortgages. The Boar<span class=\"_ _0\"></span>d has set a limit on basis risk exposure across both bank<span class=\"_ _0\"></span>s of 3% o<span class=\"_ _0\"></span>f full year net inter<span class=\"_ _0\"></span>est income<span class=\"_ _0\"></span>. The table below sho<span class=\"_ _0\"></span>ws the maximum decreases to net int<span class=\"_ _0\"></span>erest income at 31 December 2024 and 2023:<span class=\"_ _35a\"> </span><table class=\"s w6c7 hfa\" id=\"_56e52dc9-a2f8-4675-914f-e904fbd8d96d\"><tr><td></td><td class=\"t m1 x3cd h21 y42ac ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y42ac ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y42ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x27c h21 y42ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfec y3fd6 w5ad hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">6.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffd y3fd5 wb0f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffe y42a7 w667 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfff y3fe7 w848 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x1000 y3d59 wb10 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">10.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1001 y3d5a w4df hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr></table>Foreig<span class=\"_ _3\"></span>n exchange rate risk<span class=\"_ _35a\"> </span>The Group has limited e<span class=\"_ _0\"></span>xposure to for<span class=\"_ _0\"></span>eign exchange risk in respect o<span class=\"_ _0\"></span>f its Indian operations<span class=\"_ _0\"></span>. A<span class=\"_ gs2a\"> </span>5% increase in the GBP<span class=\"_ _0\"></span>/INR exchange r<span class=\"_ _0\"></span>ate would result in a \u00a3<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m) effect in profit or loss and \u00a31.<span class=\"_ _0\"></span>0m (2023: \u00a30<span class=\"_ _0\"></span>.6m) in equity.<span class=\"_ _35a\"> </span>Structur<span class=\"_ _3\"></span>ed entitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2024 were Can<span class=\"_ _0\"></span>terbury Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc, K<span class=\"_ _0\"></span>eys W<span class=\"_ _0\"></span>arehouse No<span class=\"_ _0\"></span>.1 Limit<span class=\"_ _0\"></span>ed, CMF 2024-1 plc and PMF 2024-1 plc<span class=\"_ _0\"></span>. These entities hold legal title to a pool of mortgages which ar<span class=\"_ _0\"></span>e used as a security for issued debt. The tr<span class=\"_ _0\"></span>ansfer of mortgages fails derecognition crit<span class=\"_ _0\"></span>eria because the Group retained the subor<span class=\"_ _0\"></span>dinated notes and r<span class=\"_ _0\"></span>esidual cer<span class=\"_ _3\"></span>tificates issued and as such did not tr<span class=\"_ _0\"></span>ansfer subst<span class=\"_ _0\"></span>antially the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the securitised mortgages<span class=\"_ _0\"></span>. Therefore<span class=\"_ _0\"></span>, the Group is expose<span class=\"_ _0\"></span>d to credit, inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate and other risks on the securitised mortgages<span class=\"_ _0\"></span>. Cash flows gener<span class=\"_ _0\"></span>ated from the s<span class=\"_ _0\"></span>tructured entities ar<span class=\"_ _0\"></span>e ring-fenced and ar<span class=\"_ _0\"></span>e used to pay interes<span class=\"_ _0\"></span>t and principal of the issued debt securities in a w<span class=\"_ _0\"></span>aterfall order accor<span class=\"_ _0\"></span>ding to the seniority of the bonds. The structur<span class=\"_ _0\"></span>ed entities are self-<span class=\"_ _0\"></span>funded and the Group is not contr<span class=\"_ _0\"></span>actually or constructively oblige<span class=\"_ _0\"></span>d<span class=\"_ _3\"></span> to pro<span class=\"_ _0\"></span>vide fur<span class=\"_ _3\"></span>ther liquidity or financial support. The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2023 were Can<span class=\"_ _0\"></span>terbury Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc and Keys W<span class=\"_ _2\"></span>arehouse No.<span class=\"_ _0\"></span>1 Limited.<span class=\"_ _35a\"> </span>Unc<span class=\"_ _3\"></span>onsolid<span class=\"_ _3\"></span>ated str<span class=\"_ _3\"></span>ucture<span class=\"_ _3\"></span>d entities<span class=\"_ _35a\"> </span>Structured en<span class=\"_ _0\"></span>tities, which w<span class=\"_ _0\"></span>ere sponsored by the Gr<span class=\"_ _0\"></span>oup include Char<span class=\"_ _3\"></span>ter Mortgage Funding 2018-1 plc<span class=\"_ _0\"></span>, Precise Mortgage Funding 2019-<span class=\"_ _0\"></span>1B plc, Precise Mortgage Funding 2020-<span class=\"_ _0\"></span>1B plc, PMF<span class=\"_ gs2a\"> </span>2024-2 plc and Roches<span class=\"_ _0\"></span>ter Financing No.<span class=\"_ _0\"></span>3 plc.<span class=\"_ _35a\"> </span>The structur<span class=\"_ _0\"></span>ed entities are considere<span class=\"_ _0\"></span>d sponsored by the Group if any of the f<span class=\"_ _0\"></span>ollowing conditions are met: \u2022 <span class=\"_ _15\"> </span>the Group had a k<span class=\"_ _0\"></span>ey role in est<span class=\"_ _0\"></span>ablishing the entity.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the Group transf<span class=\"_ _0\"></span>erred assets to the en<span class=\"_ _0\"></span>tity.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the entity\u2019<span class=\"_ _2\"></span>s name includes a reference to the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the Group provides guar<span class=\"_ _0\"></span>antees on the entity<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s performance.<span class=\"_ _35a\"> </span>These structur<span class=\"_ _0\"></span>ed entities are not consolidated by the Gr<span class=\"_ _0\"></span>oup, as the Group does not contr<span class=\"_ _0\"></span>ol the entities and is not expose<span class=\"_ _0\"></span>d to the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership from the securitised mortgages. The Group has no con<span class=\"_ _0\"></span>tractual arr<span class=\"_ _0\"></span>angements with the unconsolidated s<span class=\"_ _0\"></span>tructured entities other than the inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>ts disclosed in note 16 and servicing the structured en<span class=\"_ _0\"></span>tities<span class=\"_ _0\"></span>\u2019 mortgage portfolios. The Group has not pro<span class=\"_ _0\"></span>vided any support to the unconsolidated structur<span class=\"_ _0\"></span>ed entities list<span class=\"_ _0\"></span>ed and has no obligation or inten<span class=\"_ _0\"></span>tion to do so.<span class=\"_ _35a\"> </span>During 2024 the Group r<span class=\"_ _0\"></span>eceived \u00a38.<span class=\"_ _0\"></span>1m inter<span class=\"_ _0\"></span>est income (202<span class=\"_ _0\"></span>3: \u00a35.3m) and \u00a32.<span class=\"_ _0\"></span>1m servicing income (2023: \u00a32.<span class=\"_ _0\"></span>6m) from unconsolidated struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-498": {
   "value": "Credit risk<span class=\"_ _35a\"> </span>Credit risk is the risk that losses may arise as a result o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s borro<span class=\"_ _0\"></span>wers or mark<span class=\"_ _0\"></span>et counterparties failing to meet their obligations to r<span class=\"_ _0\"></span>epay.<span class=\"_ _35a\"> </span>The Group has adopted the S<span class=\"_ _0\"></span>tandardised Appr<span class=\"_ _0\"></span>oach for assessment of cr<span class=\"_ _0\"></span>edit risk regulatory capital re<span class=\"_ _0\"></span>quirements<span class=\"_ _0\"></span>. This approach considers risk w<span class=\"_ _0\"></span>eightings as defined under Basel II and Basel III principles.<span class=\"_ _35a\"> </span>The classes of financial ins<span class=\"_ _0\"></span>truments to which the Group is mos<span class=\"_ _0\"></span>t exposed are lo<span class=\"_ _0\"></span>ans and advances to cus<span class=\"_ _0\"></span>tomers<span class=\"_ _0\"></span>, loans and advances to credit ins<span class=\"_ _0\"></span>titutions, cash in the BoE call accoun<span class=\"_ _0\"></span>t, call and current accoun<span class=\"_ _0\"></span>ts with other credit ins<span class=\"_ _0\"></span>titutions and inves<span class=\"_ _0\"></span>tment securities. The maximum cr<span class=\"_ _0\"></span>edit risk exposure e<span class=\"_ _0\"></span>quals the total carrying amount of the abo<span class=\"_ _0\"></span>ve cate<span class=\"_ _0\"></span>gories plus of<span class=\"_ _3\"></span>f-balance sheet undra<span class=\"_ _0\"></span>wn committed mortgage facilities.<span class=\"_ _35a\"> </span>The change, during the year and cumulativ<span class=\"_ _0\"></span>ely, in the fair value of in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>ts in debt securities and loans and advances to cus<span class=\"_ _0\"></span>tomers at FV<span class=\"_ _0\"></span>OCI and FV<span class=\"_ _3\"></span>TPL that is attribut<span class=\"_ _0\"></span>able to<span class=\"_ gs2a\"> </span>changes in credit risk is not mat<span class=\"_ _0\"></span>erial.<span class=\"_ _35a\"> </span>Cred<span class=\"_ _3\"></span>it risk \u2013 loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to custo<span class=\"_ _3\"></span>mers<span class=\"_ _35a\"> </span>Credit risk associated with mortgage lending is lar<span class=\"_ _0\"></span>gely driven by the housing mark<span class=\"_ _0\"></span>et and lev<span class=\"_ _0\"></span>el of unemployment. A recession and/<span class=\"_ _2\"></span>or high inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates could cause pressure within the<span class=\"_ gs2a\"> </span>mark<span class=\"_ _0\"></span>et, resulting in rising lev<span class=\"_ _0\"></span>els of arrear<span class=\"_ _0\"></span>s and repossessions.<span class=\"_ _35a\"> </span>All loan applications are assessed in accor<span class=\"_ _0\"></span>dance with the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Lending Policy. Changes t<span class=\"_ _0\"></span>o the policy are appro<span class=\"_ _0\"></span>ved by the Group Risk Committee<span class=\"_ _0\"></span>, with mandates set for the appro<span class=\"_ _0\"></span>val of loan applications<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The Group Credit Committ<span class=\"_ _0\"></span>ee and AL<span class=\"_ _0\"></span>CO regularly monitor lending activity, taking appropriate actions t<span class=\"_ _0\"></span>o reprice products and adjus<span class=\"_ _0\"></span>t lending criteria in order to con<span class=\"_ _0\"></span>trol risk and manage exposure<span class=\"_ _0\"></span>. Where necessary and appropriate<span class=\"_ _0\"></span>, changes to the Lending Policy are<span class=\"_ gs2a\"> </span>recommended<span class=\"_ gs2a\"> </span>t<span class=\"_ _0\"></span>o the Group Risk Committee.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables show the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s maximum e<span class=\"_ _0\"></span>xposure to credit risk and the impact o<span class=\"_ _0\"></span>f collateral held as security, capped at the gross e<span class=\"_ _0\"></span>xposure amount, by impairment s<span class=\"_ _0\"></span>tage. Capped collat<span class=\"_ _0\"></span>eral ex<span class=\"_ _0\"></span>cludes the impact of forced sale discount<span class=\"_ _0\"></span>s and costs to sell. The collater<span class=\"_ _0\"></span>al value is determined by indexing agains<span class=\"_ _0\"></span>t HPI data.<span class=\"_ _35a\"> </span><table class=\"s w780 h116\" id=\"_27d5f385-e987-40b7-9586-071b8a8700fd\"><tr><td></td><td></td><td class=\"c n xace y412f w781 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xacf y412f w782 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xad0 y412f w783 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 xa5b h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xad1 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td><td class=\"t m1 xad2 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xa64 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td><td class=\"t m1 xad3 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td class=\"t m1 xad4 h21 y4130 ff1 fs5 fc5 sc0 ls0 ws0\">Capped </td></tr><tr><td></td><td class=\"t m1 xa58 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xa5f h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td><td class=\"t m1 xad5 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xad6 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td><td class=\"t m1 xad7 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td><td class=\"t m1 xad8 h21 y4131 ff1 fs5 fc5 sc0 ls0 ws0\">collateral </td></tr><tr><td></td><td class=\"t m1 xa59 h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xad9 h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td><td class=\"t m1 xada h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69c h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadb h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadc h21 y4132 ff1 fs5 fc5 sc0 ls0 ws0\">held<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69e h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4133 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4134 w50d hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xadd y4135 w784 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc2 wsc0\">12,338.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xade y4135 w785 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">12<span class=\"_ _3\"></span>,29<span class=\"_ _3\"></span>0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xadf y4135 w786 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae0 y4135 w787 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd5 wsd2\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae1 y4135 w788 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae2 y4135 w789 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4136 w426 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae3 y4137 w78a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _18\"> </span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae4 y4137 w78b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">2<span class=\"_ _3\"></span>,416<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae5 y4137 w78c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>35<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae6 y4137 w78d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae7 y4137 w53d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae8 y4137 w78e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">4,<span class=\"_ _3\"></span>351.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4138 w42d hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xae9 y4139 w78f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">655.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaea y4139 w790 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">6<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaeb y4139 w791 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaec y4139 w791 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaed y4139 w792 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f2 y4139 w793 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">943.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y413a w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x6b5 y413b w435 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaee y413b w794 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaef y413b w795 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">32.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf0 y413b w796 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">32<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf1 y413b w797 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf2 y413b w798 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">6<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xaf3 y413c w799 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">15<span class=\"_ _1\"></span>,4<span class=\"_ _1\"></span>39.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf4 y413c w79a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">15,<span class=\"_ _3\"></span>383.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf5 y413c w79b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf6 y413c w79c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf7 y413c w79d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf8 y413c w79e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,183.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h24 y413d ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2d3\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y413e w50d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaf9 y413f w79f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,263<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafa y413f w7a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">11,<span class=\"_ _3\"></span>22<span class=\"_ _3\"></span>8.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafb y413f w7a1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafc y413f w424 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfd wsfd\">9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafd y413f w7a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf9 wsf7\">20<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xafe y413f w7a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20,542.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w426 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xaff y4066 w7a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">2,718.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb00 y4066 w7a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb01 y4066 w7a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,819<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb02 y4066 w7a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,818.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb03 y4066 w540 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb04 y4066 w7a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4,5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w42d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Stage<span class=\"_ _0\"></span> 3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb05 y3fe6 w6ac hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">49<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb06 y3fe6 w30 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd1 wscf\">48<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb07 y3fe6 w432 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb08 y3fe6 w768 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _18\"> </span>1<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb09 y3fe6 w7a9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">711<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0a y3fe6 w7aa hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf2 wsee\">706<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w434 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Stage 3 (P<span class=\"_ _3\"></span>OC<span class=\"_ _3\"></span>I)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0b y3fb5 w438 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0c y3fb5 w7ab hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">33<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0d y3fb5 w7ac hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0e y3fb5 w7ad hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb0f y3fb5 w43a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb10 y3fb5 w7ae hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">7<span class=\"_ _3\"></span>0.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xb11 y3f5f w7af hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb12 y3f5f w7b0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _18\"> </span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb13 y3f5f w7b1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"> </span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb14 y3f5f w7b2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,387<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb15 y3f5f w7b3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb16 y3f5f w7b4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">2<span class=\"_ _3\"></span>5,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>54.5<span class=\"_ _35a\"> </span></div></td></tr></table>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main form of collat<span class=\"_ _0\"></span>eral held is property, based in the UK and the Channel Islands.<span class=\"_ _35a\"> </span>The Group uses index<span class=\"_ _0\"></span>ed loan to value (L<span class=\"_ _2\"></span>TV<span class=\"_ _3\"></span>) ratios to assess the quality of the uncapped collat<span class=\"_ _0\"></span>eral held. Property values are update<span class=\"_ _0\"></span>d to reflect changes in the HPI. A break<span class=\"_ _0\"></span>do<span class=\"_ _0\"></span>wn of loans and advances to cus<span class=\"_ _0\"></span>tomers by inde<span class=\"_ _0\"></span>xed L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V is as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _35a\"> </span><table class=\"s w7b5 h117\" id=\"_2a498b45-e4a0-42a2-af4c-2a9c89b76012\"><tr><td></td><td></td><td class=\"c n xb17 y4140 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xb18 y4140 w50c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xb19 h21 y4141 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1a h21 y4141 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1b h21 y4141 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb1c h21 y4141 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1d h21 y4141 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x242 h21 y4141 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 xb1e h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90d h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90e h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1f h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e5 h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y4142 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xb20 y4143 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb21 y4143 w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4144 ff1 fs6 fc4 sc0 ls101 ws6f\">Band<span class=\"_ _2d6\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y404d w7b7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb22 y404e w7b8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>375<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb23 y404e w7b9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>91.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb24 y404e w7ba hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">3,466.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb25 y404e w7bb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">14<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb26 y404d w7a8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb27 y404d w7bc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">1<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb28 y404d w7bd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3,5<span class=\"_ _3\"></span>60.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb29 y404d w87 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">14<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4d w7be hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2a y4145 w7bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse6 wse1\">2,291.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2b y4145 w7c0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,<span class=\"_ _3\"></span>312.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2c y4145 w7c1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,603.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2d y4145 w7c2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">14<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2e y3d4d w7c3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,27<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2f y3d4d w7c4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb30 y3d4d w7c5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3,7<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb31 y3d4d w87 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1e ws1d\">14<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w7c6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb32 y404f w7c7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1d ws1c\">4,5<span class=\"_ _3\"></span>48.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb33 y404f w7c8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">3,035.<span class=\"_ _0\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb34 y404f w7c9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb35 y404f w7ca hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb36 y3d4f w7cb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4,4<span class=\"_ _0\"></span>14.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb37 y3d4f w7cc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>24<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb38 y3d4f w7cd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>8<span class=\"_ _18\"> </span>.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb39 y3d4f w7ce hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w7cf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3a y3fd2 w7d0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">4,<span class=\"_ _3\"></span>624.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3b y3fd2 w7d1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">3,8<span class=\"_ _3\"></span>81.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3c y3fd2 w7d2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">8,5<span class=\"_ _3\"></span>05.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3d y3fd2 w7d3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3e y3d51 w145 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3,822.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb3f y3d51 w7d4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls64 ws60\">5,<span class=\"_ _0\"></span>000<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb40 y3d51 w7d5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">8,823.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb41 y3d51 w7d6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">34<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 w7d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb42 y4146 w7d8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,043.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb43 y4146 w7d9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls15f ws16e\">4<span class=\"_ _3\"></span>61.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb44 y4146 w7da hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">1,505.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb45 y4146 w7db hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb46 y3d53 w7dc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">1,04<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb47 y3d53 w7dd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">573<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb48 y3d53 w7de hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>61<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb49 y3d53 w7df hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w7e0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4a y3d56 w7e1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">221.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4b y3d56 w7e2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">14.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4c y3d56 w7e3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">235.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4d y3d56 w7e4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4e y3d55 w7e5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">222.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4f y3d55 w7e6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls61 ws5d\">8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb50 y3d55 w7e7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">23<span class=\"_ _3\"></span>0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb51 y3d55 w7e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w7e9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb52 y3d57 w7ea hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3<span class=\"_ _3\"></span>35.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb53 y3d57 w7eb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb54 y3d57 w7ec hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb55 y3d57 w7ed hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb56 y3d58 wf6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">27<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb57 y3d58 w7ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb58 y3d58 w7ef hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _3\"></span>5.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb59 y3d58 w7e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d59 w7f0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> loans before provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5a y3d59 w7f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5b y3d59 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5c y3d59 w7f3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lseb ws27\">25,240.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5d y3d59 w7f4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5e y3d5a w7f5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>4,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb5f y3d5a w7f6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb60 y3d5a w7f7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x957 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">100<span class=\"_ _35a\"> </span></div></td></tr></table>The table belo<span class=\"_ _0\"></span>w shows the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V banding for the OSB se<span class=\"_ _0\"></span>gments<span class=\"_ _0\"></span>\u2019 tw<span class=\"_ _0\"></span>o major lending stre<span class=\"_ _0\"></span>ams: <table class=\"s w7f8 h117\" id=\"_8cac3487-3b77-4d40-b379-6cd0bdaa03c2\"><tr><td></td><td></td><td class=\"c n xb17 y4147 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xb18 y4147 w50c hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">202<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 xb61 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">BTL/SME<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb62 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">Residential<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1b h21 y4148 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xb63 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">BTL/SME<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb64 h21 y4148 ff1 fs5 fc5 sc0 ls0 ws0\">Residential<span class=\"_ _35a\"> </span></td><td class=\"t m1 x242 h21 y4148 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td class=\"t m1 x24c h21 y4149 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb1e h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90d h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xb65 y414a w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb66 y414a w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2e5 h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y4149 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xb20 y414a w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb21 y414a w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y414b ff1 fs6 fc4 sc0 ls101 ws6f\">Band<span class=\"_ _2d6\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y404d w7b7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb67 y414c w7f9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb68 y414c w7a0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb69 y414c w7fa hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">2,37<span class=\"_ _3\"></span>5.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6a y414c w7fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6b y404d w7fc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">1,<span class=\"_ _3\"></span>07<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6c y404d w7fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">1,37<span class=\"_ _0\"></span>6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6d y404d w7a8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6e y404d w7fe hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4d w7be hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb2a y3fb0 w7ff hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">2<span class=\"_ _3\"></span>,021.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb6f y3fb0 w800 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls23 ws22\">270<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb70 y3fb0 w801 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">2,291<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb71 y3fb0 w7fb hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb72 y3d4d w802 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">2,027<span class=\"_ _2\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb73 y3d4d w6d6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">248.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb74 y3d4d w803 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>27<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb75 y3d4d w804 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d4f w7c6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb76 y3fb1 w7d0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">4,3<span class=\"_ _3\"></span>45.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb77 y3fb1 w11f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">203.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb78 y3fb1 w805 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1d ws1c\">4,548.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb79 y3fb1 w7ce hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls119 ws1a\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7a y3d4f w806 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7b y3d4f w807 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">23<span class=\"_ _3\"></span>3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7c y3d4f w808 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4,414.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7d y3d4f w809 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d51 w7cf hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7e y3fb2 w80a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">4,430<span class=\"_ _0\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb7f y3fb2 w6d6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">19<span class=\"_ _3\"></span>3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb80 y3fb2 w7d0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">4,62<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb81 y3fb2 w80b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb82 y3d51 w80c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>61<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb83 y3d51 w80d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">205.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb84 y3d51 w145 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3,822.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb85 y3d51 w80e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">26<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w7d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb86 y4066 w80f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">7<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb87 y4066 w810 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lseb ws27\">244.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb88 y4066 w7d8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">1,043.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb89 y4066 w811 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8a y3fd3 w812 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">826<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8b y3fd3 w813 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8c y3fd3 w814 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>45.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8d y3fd3 w815 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w7e0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb4a y3fb4 w816 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">190.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8e y3fb4 w25 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">30.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb8f y3fb4 w7e1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">221.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb90 y3fb4 w7e4 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb91 y3d55 w817 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _3\"></span>4.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb92 y3d55 w818 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb93 y3d55 w819 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">222.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb94 y3d55 w81a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w7e9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb95 y3fb5 w81b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">331.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb96 y3fb5 w101 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb97 y3fb5 w81c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">335<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb98 y3fb5 w81d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb99 y3d58 w81e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>70<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9a y3d58 w81f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9b y3d58 wf6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">27<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9c y3d58 w81a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w7f0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> loans before provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9d y3f5f w73f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">13,<span class=\"_ _0\"></span>155.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9e y3f5f w820 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse6 wse1\">2,283<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xb9f y3f5f w821 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>,4<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba0 y3f5f w822 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls13 ws11\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba1 y3d5a w823 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">1<span class=\"_ _3\"></span>2,17<span class=\"_ _1\"></span>5.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba2 y3d5a w824 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">2<span class=\"_ _3\"></span>,3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba3 y3d5a w825 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xba4 y3d5a w6fb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">100<span class=\"_ _35a\"> </span></div></td></tr></table>The tables belo<span class=\"_ _0\"></span>w show the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V analysis of the OSB B<span class=\"_ _0\"></span>TL/SME sub-segment:<span class=\"_ _35a\"> </span><table class=\"s w826 h118\" id=\"_00d302a8-ce42-4385-97d7-ac70a0b32ead\"><tr><td></td><td></td><td></td><td class=\"t m1 xba5 h21 y414d ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x85b h21 y414e ff1 fs5 fc5 sc0 ls0 ws0\">Residential </td><td></td><td></td></tr><tr><td class=\"t m1 x24c h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">Band </td><td class=\"c xba7 y4151 w827 h119\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Buy-to-Let</div><div class=\"t m1 xba6 h20 y4150 ff2 fs12 fc4 sc0 ls0 ws0\">1</div></td><td class=\"t m1 xba8 h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">Commercial<span class=\"_ _35a\"> </span></td><td class=\"t m1 xba9 h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">dev<span class=\"_ _0\"></span>elopment </td><td class=\"t m1 x858 h21 y414f ff1 fs5 fc5 sc0 ls0 ws0\">Funding lines<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y414f ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbaa h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4152 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4153 w7b7 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbab y4154 w828 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">925<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbac y4154 w829 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbad y4154 w661 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbae y4154 w82a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbaf y4154 w82b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4155 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb0 y4156 w82c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>19.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb1 y4156 w82d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">128.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb2 y4156 w82e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">6<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb3 y4156 w82f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb4 y4156 w830 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">2<span class=\"_ _3\"></span>,021.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4157 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb5 y4158 w831 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>51<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb6 y4158 w832 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb7 y4158 w833 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">184.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb8 y4158 w834 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb9 y4158 w835 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4,<span class=\"_ _3\"></span>345.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4159 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbba y415a w836 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lscc wscb\">3,9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbb y415a w837 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">495.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbc y415a w838 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbd y415a w839 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbe y415a w83a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">4,<span class=\"_ _0\"></span>430.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y415b w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbbf y415c w83b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">562<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc0 y415c w83c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc1 y415c wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc2 y415c wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc3 y415c w75e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">7<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y415d w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc4 y415e w83d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">1<span class=\"_ _3\"></span>00.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc5 y415e w83e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">90<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc6 y415e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc7 y415e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc8 y415e w83f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">190.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y415f w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc9 y4160 w840 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbca y4160 w4d7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">90.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcb y4160 w841 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcc y4160 w683 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcd y4160 w842 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">331.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4161 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y4162 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xbce y4163 w444 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">11<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbcf y4163 w843 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">1,3<span class=\"_ _3\"></span>56.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd0 y4163 w844 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls33 ws31\">262.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd1 y4163 w4ed hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd2 y4163 w845 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd1 wscf\">13,<span class=\"_ _0\"></span>155.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y4164 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _18f\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4165 w7b7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd3 y4166 w846 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">9<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd4 y4166 w847 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">9<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd5 y4166 w848 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">8.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd6 y4166 w849 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">8<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd7 y4166 w84a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,078.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4167 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd8 y4168 w84b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbd9 y4168 w84c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">106.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbda y4168 w84d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdb y4168 w84e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdc y4168 w84f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">2,027<span class=\"_ _2\"></span>.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4169 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdd y416a w850 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">3,80<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbde y416a w851 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbdf y416a w61a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">21<span class=\"_ _3\"></span>0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe0 y416a w852 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe1 y416a w853 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">4<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416b w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe2 y416c w854 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>27<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe3 y416c w855 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">323.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe4 y416c w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe5 y416c w856 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe6 y416c w857 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">3,61<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416d w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe7 y416e w855 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">596.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe8 y416e w858 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">23<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe9 y416e w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbea y416e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbeb y416e w859 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls1f ws61\">826<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416f w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbec y4170 w85a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">68.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbed y4170 w85b hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbee y4170 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbef y4170 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf0 y4170 w85c hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf8 wsf6\">17<span class=\"_ _3\"></span>4.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4171 w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf1 y4172 w85d hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20<span class=\"_ _3\"></span>2.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf2 y4172 w85e hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">6<span class=\"_ _3\"></span>6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf3 y4172 w85f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf4 y4172 we6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf5 y4172 w85 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>0.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4173 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y4174 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xbce y3d5a w860 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf6 y3d5a w861 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">1,09<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf7 y3d5a w862 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">28<span class=\"_ _3\"></span>0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf8 y3d5a w863 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbf9 y3d5a w864 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd6 wsd3\">1<span class=\"_ _3\"></span>2,1<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>I<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>des n<span class=\"_ _3\"></span>et inve<span class=\"_ _3\"></span>stm<span class=\"_ _3\"></span>ent in fin<span class=\"_ _3\"></span>ance l<span class=\"_ _3\"></span>eas<span class=\"_ _3\"></span>es.<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w shows the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V analysis of the OSB R<span class=\"_ _0\"></span>esidential sub-segment:<span class=\"_ _35a\"> </span>OSB<span class=\"_ _35a\"> </span><table class=\"s w865 h11a\" id=\"_cebd24f5-4aa0-43a8-9da1-febb6bf96af1\"><tr><td></td><td></td><td class=\"c n x698 y4175 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x699 y4175 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 xbfa h21 y4176 ff1 fs5 fc5 sc0 ls0 ws0\">Second </td><td></td><td></td><td class=\"t m1 xadb h21 y4176 ff1 fs5 fc5 sc0 ls0 ws0\">Second </td><td></td></tr><tr><td></td><td class=\"t m1 xbfb h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">First charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbfc h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 x401 h21 y4177 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbfd h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">First charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cb h21 y4177 ff1 fs5 fc5 sc0 ls0 ws0\">charge<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4177 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x69e h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x69f h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a0 h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a1 h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4178 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4179 ff1 fs6 fc4 sc0 ls101 ws6f\">Band<span class=\"_ _2ae\"> </span><span class=\"fs0 ls0 ws0\"> <span class=\"_ _fc\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y417a w7b7 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbfe y417b w866 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">1,272.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbff y417b w867 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">64.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc00 y417b w868 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc01 y417b w869 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>2.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc02 y417b w651 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">8<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc03 y417b w86a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">1,37<span class=\"_ _0\"></span>6.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y417c w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc04 y417d w86b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">248.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc05 y417d w86c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">2<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc06 y417d w86d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls106 ws163\">2<span class=\"_ _3\"></span>70.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc07 y417d w86e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc08 y417d w86f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc09 y417d w870 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">248.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y417e w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0a y417f w871 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0b y417f wf8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">10.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0c y417f w872 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">203.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0d y417f w873 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">218.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0e y417f w69f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">14.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc0f y417f w4b0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">233.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4180 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc10 y4181 w874 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc11 y4181 w875 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc12 y4181 w876 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">193<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc13 y4181 w877 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc14 y4181 w693 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc15 y4181 w878 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc8 ws29\">205.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4182 w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc16 y4183 w879 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">244.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc17 y4183 w627 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc18 y4183 w42e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">244.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc19 y4183 w87a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1a y4183 w87b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1b y4183 w87c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4184 w87d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1c y4185 w87e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1d y4185 w87f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1e y4185 w431 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">30.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc1f y4185 w880 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">4<span class=\"_ _3\"></span>6.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc20 y4185 we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc21 y4185 w881 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4186 w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc22 y4187 w882 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">3.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc23 y4187 w74e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc24 y4187 w883 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc25 y4187 web hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc26 y4187 wde hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc27 y4187 w884 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">4.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4188 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4189 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xa80 y418a w885 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsce ws70\">2,181.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc28 y418a w886 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">1<span class=\"_ _3\"></span>02.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc29 y418a w887 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd wsd0\">2,283.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc2a y418a w888 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>,1<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc2b y418a w889 hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscc wscb\">13<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc2c y418a w88a hb2\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls28 ws43\">2,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>34.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table>The tables belo<span class=\"_ _0\"></span>w show the L<span class=\"_ _2\"></span>T<span class=\"_ _3\"></span>V analysis of the four CCF<span class=\"_ _0\"></span>S sub-segment: Band <table class=\"s w88b h11b\" id=\"_cd689fc9-3fbf-4d7d-a384-dad2016eed48\"><tr><td></td><td></td><td></td><td class=\"t m1 xba9 h21 y418b ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x6f1 h21 y418c ff1 fs5 fc5 sc0 ls0 ws0\">Second </td><td class=\"t m1 xc2d h21 y418c ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x863 h21 y418d ff1 fs5 fc5 sc0 ls0 ws0\">charge </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xc2e h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">Buy-to-Let<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbaa h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">Residential<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa17 h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">Bridging<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f1 h21 y418e ff1 fs5 fc5 sc0 ls0 ws0\">lending<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x24c h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x85d h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f3 h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f4 h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6f5 h21 y418f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xc2f y4190 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc30 y4190 w4e6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4191 w7b7 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc31 y4192 w88c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">335.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc32 y4192 w88d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">6<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc33 y4192 w88e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">123.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc34 y4192 w88f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">24.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc35 y4192 w890 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1,09<span class=\"_ _3\"></span>1.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc36 y4192 w891 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">11<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4193 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc37 y4194 w892 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">7<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc38 y4194 w893 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">508.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc39 y4194 w894 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">7<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3a y4194 w895 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">16.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3b y4194 w896 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1,312<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3c y4194 w897 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">13<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4195 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3d y4196 w898 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3e y4196 w899 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls169 ws9a\">896.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc3f y4196 w89a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">10<span class=\"_ _3\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc40 y4196 w89b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">13.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc41 y4196 w89c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd1 wscf\">3,035.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc42 y4196 w897 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">31<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4197 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc43 y4198 w89d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsb ws8\">3,099<span class=\"_ _0\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc44 y4198 w89e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">713.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc45 y4198 w89f hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">60.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc46 y4198 w8a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc47 y4198 w8a1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">3<span class=\"_ _3\"></span>,881.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc48 y4198 w4f0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">40<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4199 w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc49 y419a w8a2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">183<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4a y419a w8a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">2<span class=\"_ _3\"></span>75.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4b y419a w8a4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4c y419a w8a5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4d y419a w8a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls72 wsa\">4<span class=\"_ _3\"></span>61.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x739 y419a w8a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y419b w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4e y419c w8a8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc4f y419c w882 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">3.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc50 y419c w10c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc51 y419c w104 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc52 y419c w8a9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">14.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc53 y419c wf4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y419d w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc54 y419e w8aa hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">2<span class=\"_ _1\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc55 y419e w82a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc56 y419e w841 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc57 y419e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc58 y419e w661 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc59 y419e wf4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y419f ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y41a0 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xc5a y41a1 w8ab hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">6<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5b y41a1 w8ac hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd3 ws2\">3,0<span class=\"_ _3\"></span>05.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5c y41a1 w8ad hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">3<span class=\"_ _3\"></span>64.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5d y41a1 w8ae hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd1 wscf\">63.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5e y41a1 w8af hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc5f y41a1 w8b0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsd2 wsd1\">100<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y41a2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2d3\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _1d1\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> <span class=\"_ _1d1\"> </span> <span class=\"_ _fc\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4165 w7b7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">0%\u201350%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc60 y4166 w8b1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">3<span class=\"_ _3\"></span>60.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc61 y4166 w8b2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">5<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc62 y4166 w8b3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">13<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc40 y4166 w8b4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">33.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc63 y4166 w8b5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd6 wsd3\">1<span class=\"_ _3\"></span>,10<span class=\"_ _1\"></span>5.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc64 y4166 w500 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">10<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41a3 w7be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">50%\u201360%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc65 y41a4 w8b6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc66 y41a4 w8b7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">5<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc67 y41a4 w8b8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">66.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc68 y41a4 w856 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc69 y41a4 w8b9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6a y41a4 w3b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls6f ws6b\">13<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4169 w7c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">60%\u2013<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6b y416a w8ba hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2,365<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6c y416a w8bb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">782.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6d y416a w8bc hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">7<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6e y416a w8bd hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls169 ws9a\">15<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc6f y416a w8be hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>24<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc70 y416a w8bf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc8 ws29\">28<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41a5 w7cf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">70%\u2013<span class=\"_ _0\"></span>80%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc71 y41a6 w8c0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">4,0<span class=\"_ _3\"></span>98.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc72 y41a6 w8c1 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">8<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc73 y41a6 w8c2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">4<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc74 y41a6 w8c3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">1<span class=\"_ _3\"></span>0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc75 y41a6 w8c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls5f ws16a\">5,<span class=\"_ _0\"></span>000.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc76 y41a6 w8c5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">44<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416d w7d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">80%\u201390%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc77 y416e w8c6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">271.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc78 y416e w8c7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">296.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc79 y416e w8c8 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7a y416e w8c9 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">3.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7b y416e w8ca hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">573<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7c y416e w17 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y416f w7e0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">90%\u2013<span class=\"_ _0\"></span>100%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7d y4170 w8cb hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7e y4170 w8cc hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7f y4170 w694 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc80 y4170 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc81 y4170 w8cd hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd1 wscf\">8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc82 y4170 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4171 w7e9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2a wsc\">&gt;1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc83 y4172 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc84 y4172 w8ce hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc85 y4172 wde hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc86 y4172 w488 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc87 y4172 w852 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc88 y4172 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y41a7 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal loan<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y41a8 ff1 fs6 fc4 sc0 lsc4 ws26\">before<span class=\"_ gs5ed\"> </span>provisi<span class=\"_ _0\"></span>ons<span class=\"_ _35a\"> </span></td><td class=\"c n xc89 y3d5a w8cf hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsda wsd6\">7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8a y3d5a w8d0 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>,0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8b y3d5a w8d1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lse1 wsec\">333.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8c y3d5a w8d2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls3 wsc7\">8<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8d y3d5a w8d3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc8e y3d5a w8d4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsc7 wsc4\">100<span class=\"_ _35a\"> </span></div></td></tr></table>Forbe<span class=\"_ _3\"></span>arance meas<span class=\"_ _3\"></span>ures under<span class=\"_ _3\"></span>taken<span class=\"_ _35a\"> </span>The Group has a r<span class=\"_ _0\"></span>ange of options available where borro<span class=\"_ _0\"></span>wer<span class=\"_ _0\"></span>s experience financial difficulties that impact their ability to service their financial commitments under the loan agreemen<span class=\"_ _0\"></span>t. These options are explaine<span class=\"_ _0\"></span>d in the Risk revie<span class=\"_ _0\"></span>w on pages 46 to 69<span class=\"_ _2\"></span>. A summary of the forbear<span class=\"_ _0\"></span>ance measures undertak<span class=\"_ _0\"></span>en during the year is shown belo<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span>. The balances disclosed reflect the ye<span class=\"_ _0\"></span>ar-end balance of the accounts wher<span class=\"_ _0\"></span>e a forbearance measur<span class=\"_ _0\"></span>e was undertak<span class=\"_ _0\"></span>en during the year<span class=\"_ _2\"></span>.<span class=\"_ _35a\"> </span><table class=\"s w8d5 h11c\" id=\"_bb8c8fdd-4d03-4114-ae51-af2718c93770\"><tr><td></td><td></td><td class=\"t m1 xc8f h21 y41a9 ff1 fs5 fc5 sc0 ls0 ws0\">As at </td><td class=\"c xc91 y41aa w8d6 h11d\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Restated</div><div class=\"t m1 xc90 h20 y4150 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x2c9 h21 y41a9 ff1 fs5 fc5 sc0 ls0 ws0\">As at </td></tr><tr><td></td><td class=\"t m1 xbfc h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\"> Number of </td><td class=\"t m1 x401 h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\">31 Dec<span class=\"_ _3\"></span>ember </td><td class=\"t m1 xc92 h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\">Number of </td><td class=\"t m1 xc93 h21 y41ab ff1 fs5 fc5 sc0 ls0 ws0\">31 Dec<span class=\"_ _3\"></span>ember </td></tr><tr><td></td><td class=\"t m1 x69b h21 y41ac ff1 fs5 fc5 sc0 ls0 ws0\">accounts<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc8f h21 y41ac ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc94 h21 y41ac ff1 fs5 fc5 sc0 ls0 ws0\">accounts<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y41ac ff1 fs5 fc5 sc0 lsa5 wsa2\">2023</td></tr><tr><td class=\"t m1 x2cd h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\"> Forbearance type<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc95 h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xc96 h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c8 h21 y41ad ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y41ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y41ae w8d7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st<span class=\"_ _0\"></span>-o<span class=\"_ _3\"></span>nly sw<span class=\"_ _3\"></span>itch<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc97 y41af w8d8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>81<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc98 y41af w528 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc99 y41ae w8d9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">51<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9a y41ae w8da hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b0 w8db hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">Intere<span class=\"_ _3\"></span>st rate<span class=\"_ _3\"></span> reduc<span class=\"_ _3\"></span>tion<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9b y41b1 w8dc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">1,07<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9c y41b1 w25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">85.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9d y41b0 w8dd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls11 wsf\">637<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9e y41b0 w8de hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b2 w8df hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>erm e<span class=\"_ _0\"></span>x<span class=\"_ _3\"></span>tension<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc9f y41b3 w7e4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca0 y41b3 w770 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">0.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca1 y41b2 w8e0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca2 y41b2 w658 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b4 w8e1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Payment de<span class=\"_ _3\"></span>ferral<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca3 y41b5 w8e2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">7<span class=\"_ _3\"></span>47<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca4 y41b5 w8e3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">104.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca5 y41b4 w8e4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">689<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca6 y41b4 w8e5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>01.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y41b6 ff2 fs6 fc4 sc0 ls0 ws0\">Payment c<span class=\"_ _3\"></span>onces<span class=\"_ _3\"></span>sion (reduced </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41b7 w8e6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">monthly paym<span class=\"_ _3\"></span>ents)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca7 y41b8 w8e7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls3d ws3b\">72<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca8 y41b8 w8e8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xca9 y41b7 w8e9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15 ws18\">72<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcaa y41b7 w9f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41b9 w8ea hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Capitalisa<span class=\"_ _3\"></span>tion of interest<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcab y41ba w7bb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">14<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcac y41ba w8eb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">2.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcad y41b9 w8ec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">18<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcae y41b9 w8ed hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41bb w8ee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Full or par<span class=\"_ _3\"></span>tial debt forgive<span class=\"_ _3\"></span>ness<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcaf y41bc w7c2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">21<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb0 y41bc w8ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">10.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb1 y41bb w65f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb2 y41bb w81f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41bd w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb3 y41bd w8f0 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">3<span class=\"_ _3\"></span>,013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb4 y41bd w8f1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">348.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb5 y41be w8f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2,05<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb6 y41be w8f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y41bf ff1 fs5 fc5 sc0 ls0 ws0\">Loan type<span class=\"_ _c4\"> </span><span class=\"ff2 fs6 fc4\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d51 w8f4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">First ch<span class=\"_ _3\"></span>arge owner<span class=\"_ _0\"></span>-o<span class=\"_ _3\"></span>ccupier<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb7 y3fb2 w8f5 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">2,<span class=\"_ _3\"></span>322<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb8 y3fb2 w8f6 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb9 y3d51 w8f7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcba y3d51 w430 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>3.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w8f8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Second charge owner<span class=\"_ _2\"></span>-occupier<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbb y4066 w8f9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">169<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbc y4066 w8fa hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbd y3fd3 w8fb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">2<span class=\"_ _3\"></span>94<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa0a y3fd3 w8fc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">8<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w8fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">Buy-to-Le<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbe y3fb4 w19 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">460<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcbf y3fb4 w8fe hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc0 y3d55 w8ff hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls11 wsf\">37<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc1 y3d55 w900 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">82.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w901 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Commercial<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc2 y3fb5 w902 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">62<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc3 y3fb5 w903 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">13.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc4 y3d58 w904 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lseb ws27\">90<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcc5 y3d58 w905 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f w53c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb3 y3f5f w8f0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">3<span class=\"_ _3\"></span>,013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb4 y3f5f w8f1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls59 wsde\">348.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb5 y3d5a w8f2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2,05<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcb6 y3d5a w8f3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>In 202<span class=\"_ _3\"></span>4 the Gro<span class=\"_ _3\"></span>up upd<span class=\"_ _3\"></span>ated i<span class=\"_ _3\"></span>ts for<span class=\"_ _3\"></span>be<span class=\"_ _3\"></span>aranc<span class=\"_ _3\"></span>e rep<span class=\"_ _3\"></span>or<span class=\"_ _3\"></span>ting to s<span class=\"_ _3\"></span>tanda<span class=\"_ _3\"></span>rdis<span class=\"_ _3\"></span>e the app<span class=\"_ _3\"></span>roa<span class=\"_ _3\"></span>ch use<span class=\"_ _3\"></span>d acr<span class=\"_ _3\"></span>oss it<span class=\"_ _3\"></span>s enti<span class=\"_ _3\"></span>ties<span class=\"_ _3\"></span>. T<span class=\"_ _0\"></span>o aid<span class=\"_ _3\"></span> com<span class=\"_ _3\"></span>para<span class=\"_ _3\"></span>bility<span class=\"_ _3\"></span>, the 202<span class=\"_ _3\"></span>3 figure<span class=\"_ _3\"></span>s have b<span class=\"_ _3\"></span>ee<span class=\"_ _3\"></span>n res<span class=\"_ _3\"></span>tated to r<span class=\"_ _3\"></span>efle<span class=\"_ _3\"></span>ct this c<span class=\"_ _3\"></span>hang<span class=\"_ _3\"></span>e. This h<span class=\"_ _3\"></span>as th<span class=\"_ _3\"></span>e effec<span class=\"_ _3\"></span>t of inc<span class=\"_ _3\"></span>reas<span class=\"_ _3\"></span>ing th<span class=\"_ _3\"></span>e numb<span class=\"_ _3\"></span>er of<span class=\"_ gs378\"> </span>ac<span class=\"_ _3\"></span>coun<span class=\"_ _3\"></span>ts in 202<span class=\"_ _3\"></span>3 by 502 to 2,0<span class=\"_ _3\"></span>54 and t<span class=\"_ _3\"></span>he 2023 y<span class=\"_ _3\"></span>ear-end b<span class=\"_ _3\"></span>alan<span class=\"_ _3\"></span>ce by \u00a3<span class=\"_ _3\"></span>26.<span class=\"_ _0\"></span>4m t<span class=\"_ _3\"></span>o \u00a3261.<span class=\"_ _0\"></span>1m. Ge<span class=\"_ _3\"></span>ographical analys<span class=\"_ _3\"></span>is by region<span class=\"_ _35a\"> </span>An analysis of loans<span class=\"_ _0\"></span>, excluding asset finance leases<span class=\"_ _0\"></span>, by region is pro<span class=\"_ _0\"></span>vided below:<span class=\"_ _35a\"> </span><table class=\"s w906 h11e\" id=\"_63acd3f2-0694-4b3a-b4c7-cd842bd1f46e\"><tr><td></td><td></td><td></td><td class=\"c n xcc6 y41c0 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xcc7 y41c0 w907 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xcc8 h21 y41c1 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xcc9 h21 y41c1 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 xcca h21 y41c1 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 xccb h21 y41c1 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xccc h21 y41c1 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x245 h21 y41c1 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td class=\"t m1 x24c h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">Region<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2f4 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 x2f5 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2f6 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m</td><td class=\"t m1 xccd h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\"> % </td><td class=\"t m1 x2f8 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2f9 h21 y41c2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"c n xcce y41c3 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xccf y41c3 w908 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d74 w909 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">East Angli<span class=\"_ _3\"></span>a<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd0 y3d75 w90a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcd1 y3d75 w90b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">1,08<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd2 y3d75 w90c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">1,532.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd3 y3d75 w90d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd4 y3d75 w90e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">4<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd5 y3d75 w90f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,<span class=\"_ _3\"></span>236<span class=\"_ _3\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd6 y3d75 w910 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">1,716.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd7 y3d75 w911 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d77 w912 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">East Midl<span class=\"_ _3\"></span>ands<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcd8 y41c4 w913 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">756.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcd9 y41c4 w914 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls106 ws163\">67<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcda y41c4 w915 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">1,<span class=\"_ _0\"></span>431.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdb y41c4 w916 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdc y41c4 w917 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">7<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdd y41c4 w918 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">7<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcde y41c4 w919 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">1,<span class=\"_ _0\"></span>498.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcdf y41c4 w1a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d7b w91a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">Greater L<span class=\"_ _0\"></span>ondon<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce0 y41c5 w91b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">6<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xce1 y41c5 w78d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce2 y41c5 w91c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce3 y41c5 w91d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">36<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce4 y41c5 w91e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">6,185.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce5 y41c5 w91f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">3<span class=\"_ _3\"></span>,41<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce6 y41c5 w920 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfa wsf8\">9<span class=\"_ _2\"></span>,602.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce7 y41c5 w921 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls48 ws48\">37<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d7d w922 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey<span class=\"_ _35a\"> </span></div></td><td class=\"c n xce8 y3d7e w923 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xce9 y3d7e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcea y3d7e w923 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xceb y3d7e wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcec y3d7e w924 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xced y3d7e w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcee y3d7e w925 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcef y3d7e w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f8e w926 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Jersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf0 y3f8f w927 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">63.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcf1 y3f8f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf2 y3f8f w928 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">63.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf3 y3f8f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf4 y3f8f w929 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf5 y3f8f w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf6 y3f8f w92a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf7 y3f8f w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d81 w92b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls65 ws21\">North East<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcf8 y3d82 w92c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">22<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcf9 y3d82 w92d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">28<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfa y3d82 w8fe hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">506.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfb y3d82 w92e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfc y3d82 w92f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls169 ws9a\">19<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfd y3d82 w930 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcfe y3d82 w931 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">495.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcff y3d82 w932 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f90 w933 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">North W<span class=\"_ _0\"></span>est<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd00 y41c6 w934 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd01 y41c6 w935 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">8<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd02 y41c6 w936 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd03 y41c6 w937 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd04 y41c6 w938 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">9<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd05 y41c6 w939 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,03<span class=\"_ _3\"></span>1.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd06 y41c6 w93a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd07 y41c6 w12 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d85 w93b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Northern Ireland<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd08 y3d86 w93c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd09 y3d86 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0a y3d86 w93d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0b y3d86 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0c y3d86 w93e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0d y3d86 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0e y3d86 w93f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd0f y3d86 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f94 w940 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Scotl<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd10 y41c7 w941 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">23.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd11 y41c7 w942 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd12 y41c7 w943 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc7 wsc4\">305.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd13 y41c7 w944 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd14 y41c7 w84d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">61<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd15 y41c7 w945 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">29<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd16 y41c7 w946 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">3<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd17 y41c7 w947 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d89 w948 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">So<span class=\"_ _3\"></span>uth Eas<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd18 y3d8a w949 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd19 y3d8a w94a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1a y3d8a w94b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1b y3d8a w94c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls169 ws9a\">4,<span class=\"_ _0\"></span>996<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1c y3d8a w94d hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">20<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1d y3d8a w94e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1e y3d8a w94f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,83<span class=\"_ _3\"></span>4.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd1f y3d8a w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">4,7<span class=\"_ _1\"></span>41.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd20 y3d8a w950 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">18<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8b w951 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls18 ws19\">S<span class=\"_ _3\"></span>ou<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>h We<span class=\"_ _3\"></span>s<span class=\"_ _3\"></span>t<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd21 y3d8c w952 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"> </span>4<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd22 y3d8c w953 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">6<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd23 y3d8c w954 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">1,727<span class=\"_ _2\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd24 y3d8c w955 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd25 y3d8c w956 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd26 y3d8c w957 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsfb wsfa\">751.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd27 y3d8c w7a6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1,7<span class=\"_ _3\"></span>10.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd28 y3d8c w911 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8d w958 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls18 ws19\">Wal<span class=\"_ _3\"></span>e<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd29 y3f98 w959 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xcd9 y3f98 w95a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>9.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2a y3f98 w95b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">634.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2b y3f98 w95c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2c y3f98 w95d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2d y3f98 w95e hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">3<span class=\"_ _3\"></span>15.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2e y3f98 w95f hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd2f y3f98 wf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d90 w960 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">West Midland<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd30 y3f99 w961 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">9<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd31 y3f99 w962 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd1 wscf\">755.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd32 y3f99 w963 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">1,663.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd33 y3f99 w955 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd34 y3f99 w964 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">9<span class=\"_ _3\"></span>92.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd35 y3f99 w965 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">8<span class=\"_ _3\"></span>51.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd36 y3f99 w966 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls149 ws152\">1,843.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd37 y3f99 w1d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d92 w967 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Y<span class=\"_ _0\"></span>orks and Humb<span class=\"_ _3\"></span>erside<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd38 y3d93 w968 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls48 ws48\">515.8<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd39 y3d93 w969 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">5<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3a y3d93 w96a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3b y3d93 w92e hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3c y3d93 w96b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">37<span class=\"_ _3\"></span>4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3d y3d93 w812 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">5<span class=\"_ _3\"></span>80.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3e y3d93 w96c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd2 wsd1\">955.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd3f y3d93 w96d hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w7f0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>otal<span class=\"_ _0\"></span> loans before provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd40 y3d5a w96e hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf7 wsf5\">15<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd41 y3d5a w79b hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd42 y3d5a w96f hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls16b ws102\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,92<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd43 y3d5a w970 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsd2 wsd1\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd44 y3d5a w43e hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsfa wsf8\">14,286.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd45 y3d5a w7b1 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd46 y3d5a w971 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd47 y3d5a w972 hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsc7 wsc4\">10<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr></table>Appro<span class=\"_ _3\"></span>ach to me<span class=\"_ _3\"></span>asurem<span class=\"_ _3\"></span>ent of cred<span class=\"_ _3\"></span>it quality<span class=\"_ _35a\"> </span>The Group cate<span class=\"_ _0\"></span>gorises the credit quality of loans and advances to cus<span class=\"_ _0\"></span>tomers in<span class=\"_ _0\"></span>to internal risk gr<span class=\"_ _0\"></span>ades based on the 12-month PD calculated at the r<span class=\"_ _0\"></span>epor<span class=\"_ _3\"></span>ting date<span class=\"_ _0\"></span>. The PDs include a combination of internal behaviour<span class=\"_ _0\"></span>al and credit bureau char<span class=\"_ _0\"></span>acteristics and ar<span class=\"_ _0\"></span>e aligned with capital models to gener<span class=\"_ _0\"></span>ate the risk grades which ar<span class=\"_ _0\"></span>e then fur<span class=\"_ _3\"></span>ther grouped in<span class=\"_ _0\"></span>to the following cr<span class=\"_ _0\"></span>edit quality segments:<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Excellent quality \u2013 where ther<span class=\"_ _0\"></span>e is a very high lik<span class=\"_ _0\"></span>elihood the asset will be reco<span class=\"_ _0\"></span>vered in full with a negligible or v<span class=\"_ _0\"></span>ery low risk of de<span class=\"_ _0\"></span>fault.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Good quality \u2013 where there is a high lik<span class=\"_ _0\"></span>elihood the asset will be reco<span class=\"_ _0\"></span>vered in full with a lo<span class=\"_ _0\"></span>w risk of default.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>Satisfactory quality \u2013 where the asset<span class=\"_ _0\"></span>s demonstrat<span class=\"_ _0\"></span>e a moderate def<span class=\"_ _0\"></span>ault risk. \u2022 <span class=\"_ _15\"> </span>Lo<span class=\"_ _0\"></span>wer quality \u2013 where the asset<span class=\"_ _0\"></span>s require closer monitoring and the risk of de<span class=\"_ _0\"></span>fault is of great<span class=\"_ _0\"></span>er concern.<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables disclose the credit risk quality ratings o<span class=\"_ _0\"></span>f loans and advances to cus<span class=\"_ _0\"></span>tomers by IFRS 9 s<span class=\"_ _0\"></span>tage. The assessmen<span class=\"_ _0\"></span>t of whether credit risk has increase<span class=\"_ _0\"></span>d significantly since initial recognition is performed for e<span class=\"_ _0\"></span>ach reporting period for the life of the loan. L<span class=\"_ _0\"></span>oans and advances to cus<span class=\"_ _0\"></span>tomers initially book<span class=\"_ _0\"></span>ed on very lo<span class=\"_ _0\"></span>w PDs and graded as e<span class=\"_ _0\"></span>xcellent quality loans can e<span class=\"_ _0\"></span>xperience SICR and theref<span class=\"_ _0\"></span>ore be move<span class=\"_ _0\"></span>d to Stage 2. Similarly, loans and advances t<span class=\"_ _0\"></span>o customer<span class=\"_ _0\"></span>s initially booked on high PD<span class=\"_ _0\"></span>s having lower cr<span class=\"_ _0\"></span>edit quality can remain in s<span class=\"_ _0\"></span>tage 1 if subsequently SICR is not experienced or trigger<span class=\"_ _0\"></span>ed. Such loans may still be gr<span class=\"_ _0\"></span>aded as excellent quality, if they meet the o<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>all criteria.<span class=\"_ _35a\"> </span><table class=\"s w973 h11f\" id=\"_b8d089dd-5d82-48d6-8855-e060d21070f5\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x90a h21 y41c8 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 xd48 h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 1<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd49 h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 2<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4a h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">Stage 3<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4b h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">(POCI)<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e6 h21 y41c9 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4c h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">PD lower r<span class=\"_ _0\"></span>ange<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4d h21 y41c9 ff1 fs5 fc5 sc0 ls0 ws0\">PD upper range<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 x90d h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90e h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x90f h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2e5 h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x910 h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4e h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td><td class=\"t m1 xd4f h21 y41ca ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y41cb ff1 fs6 fc4 sc0 lse6 wse1\">OSB<span class=\"_ _2ef\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41cc w974 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd50 y41cd w975 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">5,<span class=\"_ _0\"></span>426.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd51 y41cd w976 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd52 y41cd w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd53 y41cd w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd54 y41cd w977 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">5,639<span class=\"_ _0\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd55 y41cd w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd56 y41cd w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ce w978 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd57 y41cf w6ce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>199<span class=\"_ _0\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd58 y41cf w979 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd59 y41cf w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5a y41cf w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5b y41cf w5c4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5c y41cf w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5d y41cf w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d0 w97b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd5e y41d1 w97c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">63<span class=\"_ _3\"></span>3.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd5f y41d1 w97d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">503.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd60 y41d1 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd61 y41d1 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd62 y41d1 w97e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">1,<span class=\"_ _0\"></span>136.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd63 y41d1 w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd64 y41d1 w97f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d2 w980 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd65 y41d3 w87a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd66 y41d3 w981 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">566.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd67 y41d3 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd68 y41d3 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd69 y41d3 w982 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6a y41d3 w983 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6b y41d3 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d4 w985 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41d5 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6d y41d5 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6e y41d5 w986 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">65<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6f y41d5 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd70 y41d5 w987 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">65<span class=\"_ _3\"></span>5.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd71 y41d5 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd72 y41d5 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41d6 w988 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41d7 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd6d y41d7 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd73 y41d7 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd74 y41d7 w989 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd75 y41d7 w98a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd76 y41d7 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd77 y41d7 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y41d8 ff1 fs6 fc4 sc0 ls9e ws9b\">CCFS<span class=\"_ _2f5\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41d9 w974 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd78 y41da w98c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">4,<span class=\"_ _3\"></span>62<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd79 y41da w810 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">62<span class=\"_ _3\"></span>2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7a y41da w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7b y41da w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7c y41da w5d2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">5<span class=\"_ _3\"></span>,245.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7d y41da w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd7e y41da w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41db w978 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd7f y41dc w98d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse6 wse1\">2,<span class=\"_ _0\"></span>682.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd80 y41dc w98e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">74<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd81 y41dc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd82 y41dc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd83 y41dc w98f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>42<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd84 y41dc w990 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd85 y41dc w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41dd w97b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd86 y41de w991 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">22<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd87 y41de w992 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">242<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd88 y41de w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd89 y41de w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8a y41de w993 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">462.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8b y41de w97a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8c y41de w97f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41df w980 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd8d y41e0 w994 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">13.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8e y41e0 w11f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>30.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd8f y41e0 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd90 y41e0 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd91 y41e0 w995 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">343.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd92 y41e0 w983 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd93 y41e0 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">100<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41e1 w985 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41e2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd94 y41e2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd95 y41e2 w5a4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls119 ws1a\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd96 y41e2 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd97 y41e2 w5a4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls119 ws1a\">294.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd98 y41e2 w984 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd99 y41e2 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41e3 w988 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xd6c y41e4 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd94 y41e4 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9a y41e4 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9b y41e4 w996 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">32<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9c y41e4 w996 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">32<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9d y41e4 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd9e y41e4 w98b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xd9f y41e5 w997 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>9,<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda0 y41e5 w8bf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda1 y41e5 w998 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda2 y41e5 w999 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda3 y41e5 w99a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">60.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda4 y41e5 w99b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lseb ws27\">25,<span class=\"_ _3\"></span>240.3<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y41e6 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _2f9\"> </span><span class=\"ff2 fs6 fc4 ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> <span class=\"_ _27c\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y41e7 ff1 fs6 fc4 sc0 lse6 wse1\">OSB<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41e8 w974 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xda5 y41e8 w99c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda6 y41e8 w99d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda7 y41e8 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd61 y41e8 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda8 y41e8 w99e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">4,866.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xda9 y41e8 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdaa y41e8 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41e9 w978 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdab y41e9 w99f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">6,062.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdac y41e9 w9a0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsd4 ws24\">1,39<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdad y41e9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdae y41e9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdaf y41e9 w9a1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">7<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>459<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb0 y41e9 w631 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb1 y41e9 w634 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ea w97b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdb2 y41ea w9a2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">543.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb3 y41ea w9a3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">5<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb4 y41ea w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb5 y41ea w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb6 y41ea w9a4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1,0<span class=\"_ _3\"></span>49<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb7 y41ea w9a5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdb8 y41ea w9a6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41eb w980 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdb9 y41eb w9a7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">4<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdba y41eb w9a8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">55<span class=\"_ _3\"></span>8.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbb y41eb w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbc y41eb w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbd y41eb w9a9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">606.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbe y41eb w9aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdbf y41eb w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ec w985 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc0 y41ec w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92f y41ec w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc1 y41ec w9ac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4<span class=\"_ _3\"></span>94.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd61 y41ec w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc2 y41ec w9ad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">49<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc3 y41ec w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc4 y41ec w9ae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41ed w988 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc5 y41ed w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc6 y41ed w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc7 y41ed w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc8 y41ed w9af hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc9 y41ed w9af hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdca y41ed w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdcb y41ed w9ae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y41ee ff1 fs6 fc4 sc0 ls9e ws9b\">CCFS<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y41ef w974 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Excellen<span class=\"_ _0\"></span>t<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdcc y41ef w9b0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">6,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdcd y41ef w9b1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">6<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdce y41ef w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdcf y41ef w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd0 y41ef w9b2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">6,837<span class=\"_ _2\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd1 y41ef w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd2 y41ef w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f0 w978 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Good<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdd3 y41f0 w9b3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">2,<span class=\"_ _0\"></span>934<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd4 y41f0 w9b4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">653.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xd59 y41f0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd5 y41f0 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd6 y41f0 w9b5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">3,588.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd7 y41f0 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdd8 y41f0 w9b6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f1 w97b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Satisfactory<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdd9 y41f1 w9b7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">168.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdda y41f1 w9b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">213.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddb y41f1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddc y41f1 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddd y41f1 w246 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">381.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdde y41f1 w634 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xddf y41f1 w9aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f2 w980 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">Lowe<span class=\"_ _3\"></span>r<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xde0 y41f2 w9b9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">6.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde1 y41f2 w9ba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde2 y41f2 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde3 y41f2 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde4 y41f2 w9bb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">325.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde5 y41f2 w9aa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde6 y41f2 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f3 w985 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsb2 ws5a\">Impa<span class=\"_ _0\"></span>ired<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc0 y41f3 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x92f y41f3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde7 y41f3 w9bc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde8 y41f3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xde9 y41f3 w9bd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"> </span>1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdea y41f3 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdeb y41f3 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41f4 w988 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">POCI<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xdc5 y41f4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc6 y41f4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdc7 y41f4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdec y41f4 w9be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xded y41f4 w9be hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdee y41f4 w9ae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdef y41f4 w9ab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">1<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xdf0 y3d15 w9bf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15d ws16c\">2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf1 y3d15 w9c0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">4<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf2 y3d15 w533 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">7<span class=\"_ _3\"></span>11.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf3 y3d15 w9c1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">7<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf4 y3d15 w9c2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">25,897<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr></table>The tables belo<span class=\"_ _0\"></span>w show the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other financial assets and deriv<span class=\"_ _0\"></span>atives by credit risk r<span class=\"_ _0\"></span>ating grade<span class=\"_ _0\"></span>. The credit grade is base<span class=\"_ _0\"></span>d on the external credit r<span class=\"_ _0\"></span>ating of the counterparty; AAA to AA<span class=\"_ _0\"></span>- are r<span class=\"_ _0\"></span>ated Excellent; A+ t<span class=\"_ _0\"></span>o A- ar<span class=\"_ _0\"></span>e rated Good; and BBB+ to BBB- ar<span class=\"_ _0\"></span>e rated Satisf<span class=\"_ _0\"></span>actory.<span class=\"_ _35a\"> </span><table class=\"s w9c3 h120\" id=\"_d133f91b-4550-466d-8eb5-a3e06bdf02c1\"><tr><td></td><td class=\"t m1 xa1b h21 y41f5 ff1 fs5 fc5 sc0 ls0 ws0\">Excellent<span class=\"_ _35a\"> </span></td><td class=\"t m1 xdf5 h21 y41f5 ff1 fs5 fc5 sc0 lsb ws8\">Good<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8e2 h21 y41f5 ff1 fs5 fc5 sc0 ls0 ws0\">Satisfactory<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y41f5 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y41f6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y41f7 w4b hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf6 y41f8 w9c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,43<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf7 y41f8 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf8 y41f8 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdf9 y41f8 w9c4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,43<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y41fa w9c5 hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y41fb w9c6 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">3<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>7.<span class=\"_ _18\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfb y41fb w9c7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsff wsff\">26<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfc y41fb w110 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">14.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfd y41fb w9c8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y41fc w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfe y41fd w9c9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls33 ws31\">174.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdff y41fd w9ca hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe00 y41fd wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe01 y41fd w9cb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe02 y41fe w9cc hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>,736.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe03 y41fe w9cd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">403.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe04 y41fe w19 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">1<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe05 y41fe w9ce hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>154.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h24 y41ff ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _279\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4200 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe06 y4201 w9cf hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">62<span class=\"_ _3\"></span>1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe07 y4201 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe08 y4201 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe09 y4201 w9d0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">621.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4202 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to credit </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c hf y4203 ff2 fs6 fc4 sc0 ls0 ws0\">institutio<span class=\"_ _3\"></span>ns<span class=\"_ _35a\"> </span></td><td class=\"c n xdfa y4204 w9d1 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscb wsc9\">2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0a y4204 w9d2 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">3<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0b y4204 w9d3 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls4 wsc8\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0c y4204 w9d4 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls149 ws152\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0d y3fb5 w9d5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">2<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0e y3fb5 w9d6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe0f y3fb5 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe10 y3fb5 w5ae hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe11 y3f5f w9d7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe12 y3f5f w9d8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls6f ws6b\">64<span class=\"_ _3\"></span>8.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe13 y3f5f w809 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls4 wsc8\">9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe14 y3f5f w9d9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">3<span class=\"_ _1\"></span>,96<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr></table>Cred<span class=\"_ _3\"></span>it risk \u2013 loans an<span class=\"_ _3\"></span>d advanc<span class=\"_ _3\"></span>es to credit i<span class=\"_ _3\"></span>nstitutions and inves<span class=\"_ _3\"></span>tment se<span class=\"_ _3\"></span>curities<span class=\"_ _35a\"> </span>The Group holds treasury ins<span class=\"_ _0\"></span>truments in or<span class=\"_ _0\"></span>der to meet liquidity requiremen<span class=\"_ _0\"></span>ts and for general business purposes. The cr<span class=\"_ _0\"></span>edit risk arising from these inv<span class=\"_ _0\"></span>estment<span class=\"_ _0\"></span>s is closely monitored and managed by the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s T<span class=\"_ _2\"></span>reasury function. In managing these assets, Gr<span class=\"_ _0\"></span>oup T<span class=\"_ _0\"></span>reasury oper<span class=\"_ _0\"></span>ates within guidelines laid down in the Gr<span class=\"_ _0\"></span>oup Mark<span class=\"_ _0\"></span>et and Liquidity Risk Policy approve<span class=\"_ _0\"></span>d by AL<span class=\"_ _0\"></span>CO and performance is monitored and r<span class=\"_ _0\"></span>epor<span class=\"_ _3\"></span>ted t<span class=\"_ _0\"></span>o AL<span class=\"_ _0\"></span>CO monthly, including through the use of an<span class=\"_ gs2a\"> </span>internally de<span class=\"_ _0\"></span>veloped r<span class=\"_ _0\"></span>ating model based on counterparty credit default s<span class=\"_ _0\"></span>wap<span class=\"_ gs2a\"> </span>spre<span class=\"_ _0\"></span>ads.<span class=\"_ _35a\"> </span>The Group has limited e<span class=\"_ _0\"></span>xposure to emer<span class=\"_ _0\"></span>ging market<span class=\"_ _0\"></span>s (Indian operations) and non-inv<span class=\"_ _0\"></span>estment grade debt. AL<span class=\"_ _2\"></span>CO is responsible for approving tr<span class=\"_ _0\"></span>easury counterparties.<span class=\"_ _35a\"> </span>During the year<span class=\"_ _0\"></span>, the av<span class=\"_ _0\"></span>erage balance of cash in hand, loans and adv<span class=\"_ _0\"></span>ances to credit ins<span class=\"_ _0\"></span>titutions and inv<span class=\"_ _0\"></span>estment securities on a month<span class=\"_ _0\"></span>ly basis was \u00a34<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>081.1m (<span class=\"_ _0\"></span>2023: \u00a33,<span class=\"_ _0\"></span>848.3m).<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w shows the indus<span class=\"_ _0\"></span>try sector of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s loans and advances to cr<span class=\"_ _0\"></span>edit institutions and in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities:<span class=\"_ _35a\"> </span><table class=\"s w9da h121\" id=\"_6b7fce9f-7f70-4ec9-a4ef-da835aea07c2\"><tr><td></td><td class=\"c n x8c1 y4205 w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td></td><td class=\"c n x8c2 y4205 w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe15 y4206 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe16 y4206 w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe17 y4206 w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe18 y4206 w908 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4208 w9db hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse6 wse1\">BoE</div><div class=\"t m1 xe19 h20 y4207 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1a y4209 w9dc h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1b y4209 w9dd h102\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsb ws8\">63<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1c y4209 w9de h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1d y4209 w9df h102\"><div class=\"t m1 x247 h2 y3f91 ff2 fs0 fc4 sc0 ls149 ws152\">68<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y420a w9e0 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er banks<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1e y420b w9e1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">35<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe1f y420b w955 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe20 y420b w9e2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">4<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe21 y420b w9e3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">14<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd3 w9e4 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Central gove<span class=\"_ _3\"></span>rnment<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe22 y3dd4 w9e5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>26.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe23 y3dd4 w8a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe24 y3dd4 w9e6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe25 y3dd4 w9e7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd5 w445 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">Securitisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe26 y3dd6 w9e8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe27 y3dd6 w9e9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe28 y3dd6 w9ea hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">325.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc7c y3dd6 w9e7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe29 y3d5a w9eb hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">4,<span class=\"_ _3\"></span>840.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2a y3d5a w52f hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsd2 wsd1\">10<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2b y3d5a w9ec hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls149 ws152\">3,<span class=\"_ _0\"></span>435.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3d5a w8d4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsc7 wsc4\">100<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>2<span class=\"_ _3\"></span>023 Ba<span class=\"_ _3\"></span>lanc<span class=\"_ _3\"></span>es wi<span class=\"_ _3\"></span>th the B<span class=\"_ _3\"></span>oE in<span class=\"_ _3\"></span>clud<span class=\"_ _3\"></span>e \u00a369<span class=\"_ _0\"></span>.6m h<span class=\"_ _3\"></span>eld i<span class=\"_ _3\"></span>n the ca<span class=\"_ _3\"></span>sh rati<span class=\"_ _3\"></span>o dep<span class=\"_ _3\"></span>osi<span class=\"_ _3\"></span>t.<span class=\"_ _35a\"> </span>The table belo<span class=\"_ _0\"></span>w shows the geogr<span class=\"_ _0\"></span>aphical exposure of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s loans and advances to credit institutions and in<span class=\"_ _0\"></span>vestmen<span class=\"_ _0\"></span>t securities:<span class=\"_ _35a\"> </span><table class=\"s w9ed h122\" id=\"_a4bf2bcd-8c97-45cc-b54f-665d21115a2e\"><tr><td></td><td></td><td class=\"c n x8c1 y420c w41e hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x8c2 y420c w41f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xe15 y420d w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe16 y420d w7b6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe17 y420d w4e5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe18 y420d w908 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">%<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y420e w9ee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">United K<span class=\"_ _3\"></span>ingdom<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2c y420f w896 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2d y420f w970 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">100<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2e y420f w9ef hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2f y420f w9f0 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd wsd0\">99<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dd5 w9f1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe30 y3dd6 w894 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">19.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe31 y3dd6 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe32 y3dd6 w9f2 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe33 y3dd6 w947 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w53c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls66 ws62\">To<span class=\"_ _3\"></span>t<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe29 y3d5a w9eb hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">4,<span class=\"_ _3\"></span>840.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2a y3d5a w52f hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsd2 wsd1\">10<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe2b y3d5a w9ec hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls149 ws152\">3,<span class=\"_ _0\"></span>435.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xac0 y3d5a w8d4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsc7 wsc4\">100<span class=\"_ _35a\"> </span></div></td></tr></table>The Group monitor<span class=\"_ _0\"></span>s exposure concentr<span class=\"_ _0\"></span>ations against a variety o<span class=\"_ _0\"></span>f criteria, including asset class, sect<span class=\"_ _0\"></span>or and geography. T<span class=\"_ _0\"></span>o av<span class=\"_ _0\"></span>oid refinancing risk<span class=\"_ _0\"></span>s associated with any one counterparty, sector or geogr<span class=\"_ _0\"></span>aphical region, the Board has set appr<span class=\"_ _0\"></span>opriate limits. For further information on Credit risk please r<span class=\"_ _0\"></span>efer to pages 64<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-499": {
   "value": "Liquidity risk<span class=\"_ _35a\"> </span>Liquidity risk is the risk of having insufficient liquid assets to fulfil obligations as they become due or the cost o<span class=\"_ _0\"></span>f raising liquid funds becoming too expensiv<span class=\"_ _0\"></span>e. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s approach t<span class=\"_ _0\"></span>o managing liquidity risk is to maintain sufficient liquid resources to cov<span class=\"_ _0\"></span>er cash flow imbalances and fluctuations in funding in or<span class=\"_ _0\"></span>der to retain full public confidence in the solvency of the Gr<span class=\"_ _0\"></span>oup and to enable the Group to meet its financial obligations as they fall due<span class=\"_ _0\"></span>. This is achieved thr<span class=\"_ _0\"></span>ough maintaining a prudent le<span class=\"_ _0\"></span>vel of liquid assets and contr<span class=\"_ _0\"></span>ol of the gro<span class=\"_ _0\"></span>wth of the business. The Gr<span class=\"_ _0\"></span>oup has established call accoun<span class=\"_ _0\"></span>ts with the BoE and has access to its contingen<span class=\"_ _0\"></span>t liquidity facilities.<span class=\"_ _35a\"> </span>The Board has delegat<span class=\"_ _0\"></span>ed the responsibility for liquidity management t<span class=\"_ _0\"></span>o the Chief Executive Officer<span class=\"_ _0\"></span>, assisted by AL<span class=\"_ _2\"></span>CO, with day-t<span class=\"_ _0\"></span>o-day management delegated to T<span class=\"_ _2\"></span>reasury as detailed in the Group Mark<span class=\"_ _0\"></span>et and Liquidity Risk Policy. The Board is r<span class=\"_ _0\"></span>esponsible for setting risk appetite limits ov<span class=\"_ _0\"></span>er the level and maturity pr<span class=\"_ _0\"></span>ofile of funding and for monitoring the composition o<span class=\"_ _0\"></span>f the Group financial position.<span class=\"_ _35a\"> </span>The Group also monitor<span class=\"_ _0\"></span>s a range of trigger<span class=\"_ _0\"></span>s which are designed to captur<span class=\"_ _0\"></span>e liquidity stresses in advance in order t<span class=\"_ _0\"></span>o allow sufficient time for management action to t<span class=\"_ _0\"></span>ak<span class=\"_ _0\"></span>e ef<span class=\"_ _3\"></span>fect. These ar<span class=\"_ _0\"></span>e monitored daily, with br<span class=\"_ _0\"></span>eaches immediately reported to the Gr<span class=\"_ _0\"></span>oup Chief Risk Of<span class=\"_ _3\"></span>ficer<span class=\"_ _0\"></span>, Chie<span class=\"_ _0\"></span>f Executiv<span class=\"_ _0\"></span>e Of<span class=\"_ _3\"></span>ficer<span class=\"_ _0\"></span>, Chief Financial Officer and the Group T<span class=\"_ _2\"></span>reasurer<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The tables belo<span class=\"_ _0\"></span>w show the maturity profile f<span class=\"_ _0\"></span>or the Group\u2019<span class=\"_ _2\"></span>s financial assets and liabilities based on contr<span class=\"_ _0\"></span>actual maturities at the reporting date:<span class=\"_ _35a\"> </span><table class=\"s w9f3 h123\" id=\"_266d9abb-e799-4ddd-a9ee-87084ba836c4\"><tr><td></td><td class=\"t m1 x69a h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td></td><td class=\"t m1 xe34 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\">Less than 3 </td><td class=\"t m1 xe35 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td class=\"t m1 x6a2 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135  </td><td class=\"t m1 xe36 h21 y4210 ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 xbfa h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">On demand<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe38 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c2 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 x799 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td><td class=\"t m1 x400 h21 y4211 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4212 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4213 ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _2cf\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4214 w44 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe39 y4215 w8d4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3a y4215 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3b y4215 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3c y4215 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3d y4215 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3e y4215 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4216 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4217 w9f4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">to<span class=\"_ gs2a\"> </span>credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3f y4218 w9f5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe40 y4218 w9f6 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,386.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe41 y4218 w9f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">12.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe42 y4218 w9f8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">6.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe43 y4218 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe44 y4218 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4219 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe45 y421a w9f9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe46 y421a w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe47 y421a w9fa hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">606.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe48 y421a w9fb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe49 y421a w526 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4a y421a w9fc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">53.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y421b ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y421c w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4b y421d w9fe hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">25,<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4c y421d w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4d y421d w9ff hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">212<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4e y421d wa00 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4<span class=\"_ _3\"></span>80.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4f y421d wa01 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">1,<span class=\"_ _3\"></span>831.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe50 y421d wa02 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _3\"></span>,601.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y421e w5b8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe51 y421f wa03 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe52 y421f w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe53 y421f wa04 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe54 y421f wa05 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">25.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe55 y421f wa06 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">274.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe56 y421f w990 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">2.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4220 wa07 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe57 y4220 wa08 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">30,2<span class=\"_ _3\"></span>80.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe58 y4220 wa09 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,386.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe59 y4220 w810 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">8<span class=\"_ _3\"></span>42.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5a y4220 wa0a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5b y4220 wa0b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">2,753.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5c y4220 wa0c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4221 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4222 ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _107\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4223 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5d y4224 wa0e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5e y4224 wa0f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">7<span class=\"_ _2\"></span>,314.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5f y4224 wa10 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7,<span class=\"_ _18\"> </span>2<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe60 y4224 wa11 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">8<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe61 y4224 wa12 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe62 y4224 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4225 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4226 w850 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls137 ws13b\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe64 y4226 w6ab hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1f ws61\">160.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe65 y4226 w6d1 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">321.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe66 y4226 wa13 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">1,<span class=\"_ _0\"></span>453.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe67 y4226 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe68 y4226 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4228 wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y4229 wa14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6a y4229 w839 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6b y4229 wa15 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">5.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6c y4229 wa16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">98.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6d y4229 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6e y4229 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422a w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6f y422b wa17 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1b ws17\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe70 y422b w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe71 y422b wa18 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe72 y422b wa19 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe73 y422b wa1a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">71.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe74 y422b w64a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422c w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe75 y422d wa1b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe76 y422d w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe77 y422d w660 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls9e ws9b\">2.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe78 y422d w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe79 y422d wa1c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">1,016.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7a y422d w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y422e w86 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7b y422f wab hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4c y422f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7c y422f wa1d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7d y422f wa1e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7e y422f wa1f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">6<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7f y422f w8c8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4230 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe80 y3dcc wa20 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe46 y3dcc w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe81 y3dcc w9d5 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">2<span class=\"_ _3\"></span>5.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe82 y3dcc w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe83 y3dcc wa21 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">6<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe84 y3dcc w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4231 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe85 y4232 wa22 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">2<span class=\"_ _1\"></span>59.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe86 y4232 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe87 y4232 wa23 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">1<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe82 y4232 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe88 y4232 w931 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe89 y4232 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4233 wa24 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8a y4233 wa25 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">27<span class=\"_ _2\"></span>,952.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8b y4233 wa26 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8c y4233 wa27 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16a ws188\">7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8d y4233 wa28 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsed wse8\">9,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8e y4233 wa29 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsf9 wsf7\">3<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8f y4233 we6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4234 ff1 fs6 fc4 sc0 ls61 ws5d\">Cumulati<span class=\"_ _3\"></span>ve </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d5a wa2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">liquidity<span class=\"_ gs5ed\"> </span>gap<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xe90 y3d5a wa2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls17 ws13\">(<span class=\"_ _3\"></span>4,089<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe91 y3d5a wa2c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsd4 ws24\">(<span class=\"_ _0\"></span>10,880.<span class=\"_ _0\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe92 y3d5a wa2d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9,<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe93 y3d5a wa2e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">(2<span class=\"_ _3\"></span>0,3<span class=\"_ _3\"></span>27<span class=\"_ _0\"></span>.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe94 y3d5a wa2f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls59 wsde\">2<span class=\"_ _3\"></span>,328.5<span class=\"_ _35a\"> </span></div></td></tr></table><table class=\"s wa30 h125\" id=\"_7c98fdff-8306-49a1-b365-593fe899f32a\"><tr><td></td><td class=\"t m1 xe95 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td></td><td class=\"t m1 xa17 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\">Less than 3 </td><td class=\"t m1 xe96 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td class=\"t m1 x6f6 h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135  </td><td class=\"t m1 xb1e h21 y4235 ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 x85d h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6ef h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">On demand<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe97 h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe98 h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe99 h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9a h21 y4236 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4237 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4237 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y4238 ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4239 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4239 w46 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4239 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9f y4239 w6d4 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea0 y4239 w6d4 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y4239 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea2 y4239 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y423a w9c5 h126\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea3 y423a wa31 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea4 y423a wa32 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">2,62<span class=\"_ _3\"></span>3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea5 y423a wa33 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea6 y423a w5e3 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea7 y423a wa34 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x750 y423a wa35 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">41<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y423b w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea8 y423b wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea9 y423b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeaa y423b wa37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">10<span class=\"_ _3\"></span>1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeab y423b wa38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>01.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeac y423b wa39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">218.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xead y423b w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y423c ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y423d w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y423d w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeaf y423d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb0 y423d wa3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">249<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb1 y423d wa3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">4<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb2 y423d wa3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb3 y423d wa3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">23,663.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y423e w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb4 y423e wa3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb5 y423e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb6 y423e w512 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">6.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb7 y423e wa3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">7<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb8 y423e wa40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">444.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb9 y423e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y423f w6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeba y4240 wa41 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebb y4240 wa42 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>62<span class=\"_ _3\"></span>4.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebc y4240 wa43 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebd y4240 w778 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">8<span class=\"_ _3\"></span>50.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebe y4240 wa44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">2<span class=\"_ _3\"></span>,17<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xebf y4240 wa45 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">23,7<span class=\"_ _0\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _0\"></span>.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4241 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y4242 ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4243 wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec0 y4243 wa46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec1 y4243 wa47 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4,<span class=\"_ _3\"></span>22<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec2 y4243 wa48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">6<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec3 y4243 wa49 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec4 y4243 wa4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>67<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec5 y4243 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4244 wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4244 wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec6 y4244 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec7 y4244 wa4c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec8 y4244 wa4d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">10.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec9 y4244 wa4e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">3<span class=\"_ _1\"></span>,45<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa06 y4244 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4245 wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y4245 w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecb y4245 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecc y4245 wa4f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecd y4245 wa50 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">18.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xece y4245 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xecf y4245 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4246 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed0 y4246 w85 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed1 y4246 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed2 y4246 wa51 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">6.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed3 y4246 wa52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed4 y4246 wa53 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed5 y4246 wa54 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>0.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4247 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y4247 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea9 y4247 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed7 y4247 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed8 y4247 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed9 y4247 wa55 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeda y4247 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4248 w86 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbab y4248 wa56 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedb y4248 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedc y4248 w46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedd y4248 w652 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xede y4248 wa57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xedf y4248 wa58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4249 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y4249 wa59 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee1 y4249 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee2 y4249 wa5a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee3 y4249 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee4 y4249 wa5b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">298<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeda y4249 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y424a w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee5 y424a w9b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee6 y424a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee7 y424a wa5c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee8 y424a w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee9 y424a wa5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _3\"></span>8.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xab2 y424a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y424b wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeea y424b wa5f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeeb y424b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeec y424b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeed y424b wa60 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeee y424b w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f6 y424b w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y424c wa61 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeef y424d wa62 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _18\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef0 y424d wa63 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>20<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef1 y424d wa64 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">6<span class=\"_ _1\"></span>,<span class=\"_ _18\"> </span>2<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef2 y424d wa65 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">9,1<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef3 y424d wa66 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">7,<span class=\"_ _1\"></span>6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _18\"> </span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef4 y424d wa67 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y424e ff1 fs6 fc4 sc0 ls61 ws5d\">Cumulative </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3f5f wa2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">liquidity<span class=\"_ gs5ed\"> </span>gap<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xef5 y3d5a wa68 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">(1<span class=\"_ _0\"></span>,596.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef6 y3d5a wa69 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">(<span class=\"_ _18\"> </span>7,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"> </span>7<span class=\"_ _19\"> </span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef7 y3d5a wa6a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>41<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xef8 y3d5a wa6b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">(2<span class=\"_ _3\"></span>1,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbb4 y3d5a wa6c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">2<span class=\"_ _3\"></span>,3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4.6<span class=\"_ _35a\"> </span></div></td></tr></table><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls132 ws138 gs646\">Liquidity risk \u2013 undiscounted c<span class=\"_ _3\"></span>ontractual cash flows<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs647\">The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f the Group\u2019<span class=\"_ _2\"></span>s gross contractual undiscoun<span class=\"_ _0\"></span>ted </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs648\">cash flow<span class=\"_ _0\"></span>s, derive<span class=\"_ _0\"></span>d using interes<span class=\"_ _0\"></span>t rates and contr<span class=\"_ _0\"></span>actual maturities at the reporting date </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs649\">and<span class=\"_ gs2a\"> </span>ex<span class=\"_ _0\"></span>cluding impacts of early payments or non-paymen<span class=\"_ _0\"></span>ts:<span class=\"_ _35a\"> </span></div><div class=\"gs64a\"><table class=\"s w9f3 h127\" id=\"_eae632e0-2856-4934-a5cc-9998bf8f6ee6\"><tr><td></td><td></td><td class=\"t m1 x796 h21 y424f ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x69a h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 xef9 h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">inflow/ </td><td class=\"t m1 xefa h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">Up to 3 </td><td class=\"t m1 xe35 h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td></td><td></td><td class=\"t m1 xe36 h21 y4250 ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 xe37 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c0 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">outflow<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe38 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 x7c2 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">months</td><td></td><td class=\"t m1 x2c8 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135 years<span class=\"_ _35a\"> </span></td><td class=\"t m1 x400 h21 y4251 ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79a h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79b h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td></td><td class=\"t m1 x79e h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4252 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4253 ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _2cf\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4254 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe39 y4255 w8d4 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe3a y4255 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xefb y4255 w649 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xefc y4255 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xefd y4255 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xefe y4255 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4256 w9c5 h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeff y4257 wa6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf00 y4257 wa6e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,406.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf01 y4257 wa6f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls69 ws1e\">3,399<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf02 y4257 w5aa hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">6.7<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf03 y4257 w6ef hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf04 y4257 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4258 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe45 y4259 w9f9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf05 y4259 wa70 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls13 ws11\">1,558.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf06 y4259 w96c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">6<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf07 y4259 wa71 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">159.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf08 y4259 wa72 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">725<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf09 y4259 wa73 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">5<span class=\"_ _3\"></span>4.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y425a ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y425b w9fd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe4b y425c w9fe hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">25,<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0a y425c wa74 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse6 wse1\">62,<span class=\"_ _0\"></span>539<span class=\"_ _2\"></span>.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0b y425c wa75 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">553.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0c y425c wa76 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf0d y425c wa77 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsed wse8\">9,<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0e y425c wa78 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">50,851<span class=\"_ _0\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y425d w5b8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe51 y425e wa03 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf0f y425e w7e5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls68 ws14\">325.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf10 y425e wa79 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">6<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf11 y425e wa7a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf12 y425e w9e6 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls22 wse7\">12<span class=\"_ _3\"></span>1.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf13 y425e w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4220 wa07 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe57 y4220 wa08 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse8 wse3\">30,2<span class=\"_ _3\"></span>80.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf14 y4220 wa7b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">67<span class=\"_ _2\"></span>,828.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf15 y4220 wa7c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf16 y4220 w114 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf17 y4220 wa7d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf18 y4220 wa7e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">50,<span class=\"_ _0\"></span>906.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y425f ff2 fs6 fc4 sc0 ls0 ws0\">Off-balanc<span class=\"_ _3\"></span>e sheet </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4260 wa7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">loan<span class=\"_ gs2a\"> </span>c<span class=\"_ _3\"></span>ommitments<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf19 y4261 w97d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls18 ws19\">987<span class=\"_ _0\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1a y4261 w77e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">987<span class=\"_ _2\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1b y4261 wa80 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">987<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1c y4261 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf1d y4261 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1e y4261 w64b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y4262 ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4263 ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _107\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _10f\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4225 wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe5d y4264 wa0e hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse8 wse3\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf1f y4264 wa81 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">25,520.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf20 y4264 wa82 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">15<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf21 y4264 wa83 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">8<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>929<span class=\"_ _0\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf22 y4264 wa84 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf23 y4264 wa85 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf24 y4264 w64b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4265 wa0d hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y4266 w850 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls137 ws13b\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>5.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf25 y4266 wa86 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">1,9<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf26 y4266 wa87 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">4<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf27 y4266 wa88 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf28 y4266 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf29 y4266 w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4267 wa0d h124\"><div class=\"t m1 x247 hf y4227 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe69 y3d4d wa14 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsed wse8\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2a y3d4d wa89 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2b y3d4d we6 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2c y3d4d wa15 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls68 ws14\">5.2<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf2d y3d4d w9ca hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">98.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf29 y3d4d w64b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4268 w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe6f y3d4f wa17 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1b ws17\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2e y3d4f wa8a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">88<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf2f y3d4f wa8b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls12 ws10\">11.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf30 y3d4f wa8c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">14.3<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf31 y3d4f wa8d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1f ws61\">62<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf32 y3d4f w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4269 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe75 y3d51 wa1b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">1,018<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf33 y3d51 wa8e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf34 y3d51 wa8f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf35 y3d51 w52c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">95<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf36 y3d51 wa90 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf37 y3d51 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y426a w86 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe7b y3fd3 wab hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf38 y3fd3 wa91 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf39 y3fd3 wa92 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">0.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3a y3fd3 wa93 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf3b y3fd3 wa94 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x295 y3fd3 w8c8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e7 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe80 y3d55 wa20 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls162 ws171\">72<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3c y3d55 wa95 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">945.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3d y3d55 wa96 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">3<span class=\"_ _3\"></span>2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf3e y3d55 wa97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">32.0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf3f y3d55 wa98 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">881.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe44 y3d55 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y40e9 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe85 y3d58 wa22 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls16c ws189\">2<span class=\"_ _1\"></span>59.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf40 y3d58 wa99 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">343.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf41 y3d58 wa9a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">12.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf42 y3d58 wa9b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">12<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf43 y3d58 wa9c hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">318.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf44 y3d58 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wa24 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe8a y3d5a wa25 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls2c ws2b\">27<span class=\"_ _2\"></span>,952.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf45 y3d5a wa9d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsf9 wsf7\">3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf46 y3d5a wa9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">15,988.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf47 y3d5a wa9f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">10,598<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf48 y3d5a waa0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse4 wsdd\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf49 y3d5a waa1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">1.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr></table></div><table class=\"s wa30 h128\" id=\"_a6a40665-ef29-4337-8bc6-17e8bb723693\"><tr><td></td><td></td><td class=\"t m1 xf4a h21 y426b ff1 fs5 fc5 sc0 ls0 ws0\">Gross </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xe95 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x6f3 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">inflow/ </td><td class=\"t m1 xf4b h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">Up to 3 </td><td class=\"t m1 xe96 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\"> 3\u201312 </td><td class=\"t m1 x6f6 h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\"> 1\u20135  </td><td class=\"t m1 xb1e h21 y426c ff1 fs5 fc5 sc0 ls0 ws0\">More than 5 </td></tr><tr><td></td><td class=\"t m1 x85d h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td><td class=\"t m1 x856 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">outflow<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe97 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe98 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">months<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe99 h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9a h21 y426d ff1 fs5 fc5 sc0 ls0 ws0\">years<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y426e ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9b h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1b h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y426e ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y426f ff1 fs6 fc4 sc0 ls0 ws0\">Financial a<span class=\"_ _3\"></span>sset by t<span class=\"_ _3\"></span>ype<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4270 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9d y4270 w46 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe9e y4270 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4c y4270 w65c hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4d y4270 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4e y4270 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4f y4270 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4271 w9c5 h129\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea3 y4271 wa31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf50 y4271 wa31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf51 y4271 waa2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf52 y4271 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf53 y4271 wa34 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">128<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf54 y4271 waa3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">41<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4272 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea8 y4272 wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf55 y4272 waa4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">67<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf56 y4272 waa5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf57 y4272 waa6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">32<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf58 y4272 waa7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">252.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf59 y4272 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4273 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4274 w9fd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeae y4274 w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5a y4274 waa8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">66,59<span class=\"_ _0\"></span>3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5b y4274 waa9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsef wsea\">5<span class=\"_ _3\"></span>61.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5c y4274 waaa hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1,<span class=\"_ _0\"></span>93<span class=\"_ _3\"></span>1.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5d y4274 waab hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5e y4274 waac hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">54,<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>68<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4275 w57 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb4 y4275 wa3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf5f y4275 waad hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">54<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf60 y4275 waae hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">9<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf61 y4275 waaf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf62 y4275 wab0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">193.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x292 y4275 wab1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4276 w6d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal assets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeba y4277 wa41 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf63 y4277 wab2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">70,627<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf64 y4277 wab3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>11<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf65 y4277 wab4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf66 y4277 wa29 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">10,<span class=\"_ _0\"></span>107<span class=\"_ _2\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf67 y4277 wab5 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">5<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>9.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y4278 ff2 fs6 fc4 sc0 ls0 ws0\">Off-balanc<span class=\"_ _3\"></span>e sheet </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4279 wa7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">loan<span class=\"_ gs2a\"> </span>c<span class=\"_ _3\"></span>ommitments<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf68 y4279 wab6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf69 y4279 wab7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6a y4279 w77f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">999<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea0 y4279 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea1 y4279 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xea2 y4279 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y427a ff1 fs6 fc4 sc0 ls61 ws5d\">Financial liability </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x24c ha y427b ff1 fs6 fc4 sc0 ls0 ws0\">by<span class=\"_ gs5ed\"> </span>type<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y427c wa0d hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">retail<span class=\"_ gs2a\"> </span>dep<span class=\"_ _3\"></span>ositors<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec0 y427c wa46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,1<span class=\"_ _0\"></span>26.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6b y427c wab8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6c y427c wab9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6d y427c waba hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6e y427c wabb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf6f y427c w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y427d wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe63 y427d wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>,575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf70 y427d wabc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">3,88<span class=\"_ _3\"></span>8.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf71 y427d waa5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf72 y427d wabd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">12<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf73 y427d wabe hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">3<span class=\"_ _3\"></span>,6<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x51a y427d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y427e wa0d h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">other<span class=\"_ gs2a\"> </span>cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeca y427e w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf74 y427e w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf75 y427e wabf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">45<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf76 y427e w4c6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">18.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeee y427e w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x3f6 y427e w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y427f w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed0 y427f w85 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf77 y427f wac0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">195.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeb6 y427f wac1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf78 y427f wac2 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">4.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf79 y427f wac3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7a y427f wac4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4280 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n xed6 y4280 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7b y4280 wac5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>8<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7c y4280 wac6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">151.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7d y4280 wac7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7e y4280 w991 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">793<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf7f y4280 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4281 w86 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Lease li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbab y4281 wa56 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls71 ws6d\">11.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf80 y4281 wac8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf4c y4281 w65c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf81 y4281 w652 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf82 y4281 wac9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">8.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf83 y4281 waca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4282 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee0 y4282 wa59 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf84 y4282 wacb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsea wse5\">414.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf85 y4282 wee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">14.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf86 y4282 wee hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse8 wse3\">1<span class=\"_ _3\"></span>4.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf87 y4282 wacc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">3<span class=\"_ _3\"></span>85.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xc59 y4282 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4283 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xee5 y4283 w9b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf88 y4283 w4fc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1e ws1d\">3<span class=\"_ _3\"></span>68.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf89 y4283 wacd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf76 y4283 wacd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">12.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8a y4283 w913 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">343.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8b y4283 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4284 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeea y4284 wa5f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8c y4284 w5f8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8d y4284 wace hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8e y4284 wacf hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf8f y4284 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf90 y4284 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d14 wa61 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal liabilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xeef y3d15 wa62 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _18\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _3\"></span>6<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf91 y3d15 wad0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>,4<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf92 y3d15 wad1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">10,718.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf93 y3d15 wad2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls15e ws16d\">9,<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf94 y3d15 w999 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">8<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf95 y3d15 w848 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr></table>The actual repayment pr<span class=\"_ _0\"></span>ofile of ret<span class=\"_ _0\"></span>ail deposits may dif<span class=\"_ _3\"></span>fer from the analysis abo<span class=\"_ _0\"></span>ve due to the option of early withdr<span class=\"_ _0\"></span>awal with a penalty.<span class=\"_ _35a\"> </span>Cash flows on PSBs ar<span class=\"_ _0\"></span>e disclosed up to the next in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate reset date<span class=\"_ _0\"></span>. The actual repayment pr<span class=\"_ _0\"></span>ofile of loans and advances to cus<span class=\"_ _0\"></span>tomers may differ from the analysis abov<span class=\"_ _0\"></span>e since many mor<span class=\"_ _3\"></span>tgage loans ar<span class=\"_ _0\"></span>e repaid prior to the contr<span class=\"_ _0\"></span>actual end date.<span class=\"_ _35a\"> </span>Liquidity risk \u2013 asset enc<span class=\"_ _3\"></span>umbrance<span class=\"_ _35a\"> </span>Asset encumbrance le<span class=\"_ _0\"></span>vels are monitor<span class=\"_ _0\"></span>ed by AL<span class=\"_ _0\"></span>CO<span class=\"_ _0\"></span>. The follo<span class=\"_ _0\"></span>wing tables provide an analysis o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s encumbered and unencumber<span class=\"_ _0\"></span>ed assets:<span class=\"_ _35a\"> </span><table class=\"s wad3 h12a\" id=\"_b3c9a3d7-2d1d-494b-bedb-8c14494a0d5e\"><tr><td></td><td class=\"c n xf96 y4285 wad4 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Encumbered<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n xf97 y4285 wad5 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Unencumbered<span class=\"_ _35a\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x69e h21 y4286 ff1 fs5 fc5 sc0 ls0 ws0\">Pledged as </td><td></td><td class=\"t m1 xf98 h21 y4286 ff1 fs5 fc5 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>ailable as </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 xf99 h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">collateral<span class=\"_ _35a\"> </span></td><td class=\"c xf9b y4288 wad6 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Other</div><div class=\"t m1 xf9a h39 y40ab ff1 fs1e fc5 sc0 ls0 ws0\">1</div></td><td class=\"t m1 xf9c h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">collateral<span class=\"_ _35a\"> </span></td><td class=\"t m1 xadb h21 y4287 ff1 fs5 fc5 sc0 ls0 ws0\">Other<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4287 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x891 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4289 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y428a w44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9d y428b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9e y428b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9f y428b w10a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa0 y428b wf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa1 y428b w537 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y428c w9c5 hf0\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa2 y428d w9ad hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">134.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa3 y428d wad7 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsc6 ws55\">40.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa4 y428d w9dc hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lse wsf4\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa5 y428d wad8 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _3\"></span>7<span class=\"_ _1\"> </span>7.<span class=\"_ _18\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa6 y428d wad9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y428e w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa7 y428f wada hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">22.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa8 y428f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfa9 y428f wadb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls7c ws14c\">1,411<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfaa y428f wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfab y428f w7a0 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsff wsff\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y4290 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y4291 wadc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 xfac h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfad y4292 wadd hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfae y4292 wf9 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfaf y4292 wade hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 lsf1 wsed\">1<span class=\"_ _3\"></span>9,1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb0 y4292 wadf hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls84 ws84\">1<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb1 y4292 wae0 hb2\"><div class=\"t m1 x247 h2 y3f91 ff1 fs0 fc4 sc0 ls0 ws0\">25,<span class=\"_ _0\"></span>126.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4293 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb2 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb3 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb4 y4294 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb5 y4294 w5a3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb6 y4294 w9cb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsce ws70\">313.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4295 wae1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Non-financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb7 y4296 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb8 y4296 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb9 y4296 wf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfba y4296 wae2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbb y4296 wae3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfbc y4297 wae4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd3 ws2\">4,8<span class=\"_ _3\"></span>98.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbd y4297 wae5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">40.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbe y4297 wae6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">2<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbf y4297 wae7 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">1<span class=\"_ _1\"></span>,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc0 y4297 wae8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">30,243.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd h24 y4298 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _18f\"> </span><span class=\"ff2 fs0 fc4 ls0 ws0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4299 w44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc1 y429a w628 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc2 y429a w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc3 y429a we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x9a8 y429a w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc4 y429a we6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y429b w9c5 h103\"><div class=\"t m1 x247 hf y4059 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc5 y429c wae9 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls169 ws9a\">198.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc6 y429c waea hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc7 y429c waeb hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd8 ws5c\">2,25<span class=\"_ _3\"></span>6.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc8 y429c waec hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfc9 y429c waed hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls149 ws152\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y429d w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfca y429e waee hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcb y429e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcc y429e waef hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">5<span class=\"_ _3\"></span>94.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcd y429e w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfce y429e waf0 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">621.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd hf y429f ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x248 y42a0 wadc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers</div><div class=\"t m1 xfac h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfcf y42a1 waf1 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lscb wsc9\">6<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd0 y42a1 w489 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd1 y42a1 wae4 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd wsd0\">17<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>808.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd2 y42a1 waf2 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsd0 wsce\">1,022.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd3 y42a1 waf3 hbb\"><div class=\"t m1 x247 h24 y403a ff2 fs0 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd4 y3fe6 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd5 y3fe6 w628 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd6 y3fe6 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd7 y3fe6 waf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd8 y3fe6 w5ae hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">53<span class=\"_ _3\"></span>0.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 wae1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Non-financial ass<span class=\"_ _3\"></span>ets<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfb7 y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfd9 y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfda y3fe8 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdb y3fe8 waf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(1<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdc y3fe8 waf6 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>41.<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfdd y3f5f waf7 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsda wsd6\">7,<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfde y3f5f waf8 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>1.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfdf y3f5f waf9 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">20,6<span class=\"_ _3\"></span>60.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe0 y3f5f wafa hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">1,668.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe1 y3f5f w7bf hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc2 wsc0\">29<span class=\"_ _0\"></span>,589<span class=\"_ _2\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Rep<span class=\"_ _3\"></span>res<span class=\"_ _3\"></span>ents a<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>ts tha<span class=\"_ _3\"></span>t are not p<span class=\"_ _3\"></span>led<span class=\"_ _3\"></span>ged b<span class=\"_ _3\"></span>ut tha<span class=\"_ _3\"></span>t the Gro<span class=\"_ _3\"></span>up be<span class=\"_ _3\"></span>lieve<span class=\"_ _3\"></span>s it is re<span class=\"_ _3\"></span>str<span class=\"_ _3\"></span>icte<span class=\"_ _3\"></span>d from u<span class=\"_ _3\"></span>sing to s<span class=\"_ _3\"></span>ecu<span class=\"_ _3\"></span>re fun<span class=\"_ _3\"></span>ding fo<span class=\"_ _3\"></span>r leg<span class=\"_ _3\"></span>al or other<span class=\"_ _0\"></span> reasons.<span class=\"_ _35a\"> </span>2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>U<span class=\"_ _3\"></span>nenc<span class=\"_ _3\"></span>umb<span class=\"_ _3\"></span>ered l<span class=\"_ _3\"></span>oan<span class=\"_ _3\"></span>s and ad<span class=\"_ _3\"></span>vanc<span class=\"_ _3\"></span>es to cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers c<span class=\"_ _3\"></span>las<span class=\"_ _3\"></span>sifie<span class=\"_ _3\"></span>d as oth<span class=\"_ _3\"></span>er are re<span class=\"_ _3\"></span>str<span class=\"_ _3\"></span>icte<span class=\"_ _3\"></span>d for us<span class=\"_ _3\"></span>e as co<span class=\"_ _3\"></span>llate<span class=\"_ _3\"></span>ral. Th<span class=\"_ _3\"></span>ese i<span class=\"_ _3\"></span>nclu<span class=\"_ _3\"></span>de property registered<span class=\"_ _0\"></span> outside of UK<span class=\"_ _0\"></span> (Jersey and<span class=\"_ _0\"></span> Guernsey),<span class=\"_ _0\"></span> loans and advances no<span class=\"_ _0\"></span>t secured by im<span class=\"_ _0\"></span>movable property and<span class=\"_ _0\"></span> non-per<span class=\"_ _3\"></span>forming loans.<span class=\"_ _35a\"> </span>Liquidity risk \u2013 liquidity reser<span class=\"_ _3\"></span>ves<span class=\"_ _35a\"> </span>The tables belo<span class=\"_ _0\"></span>w analyse the Group\u2019<span class=\"_ _2\"></span>s liquidity reserves, where c<span class=\"_ _0\"></span>arrying value is considered to be equal to fair v<span class=\"_ _0\"></span>alue:<span class=\"_ _35a\"> </span><table class=\"s w6c7 h12b\" id=\"_3496e6e6-781a-4a04-91c0-f3e0603d5f18\"><tr><td></td><td class=\"t m1 x3cd h21 y42a2 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y42a2 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y42a3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x27c h21 y42a3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3d51 wafb hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d balanc<span class=\"_ _3\"></span>es with c<span class=\"_ _3\"></span>entral banks<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe2 y3d52 wafc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">3,053.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe3 y3d51 wafd hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls32 ws30\">2,25<span class=\"_ _3\"></span>6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 wafe hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d cash and b<span class=\"_ _3\"></span>alance<span class=\"_ _3\"></span>s with other b<span class=\"_ _3\"></span>anks<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe4 y42a4 w9ea hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">1<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe5 y3fd3 waff hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 wb00 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er cash and c<span class=\"_ _3\"></span>ash equi<span class=\"_ _3\"></span>valents<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe6 y3fd6 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe7 y3fd5 w46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wb01 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Unen<span class=\"_ _3\"></span>cumbere<span class=\"_ _3\"></span>d investme<span class=\"_ _3\"></span>nt securiti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe8 y3d57 wb02 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls21 ws20\">1<span class=\"_ _3\"></span>,411<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe9 y3d58 wb03 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">594.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xfea y3d59 wb04 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls101 ws6f\">4,643.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfeb y3d5a wb05 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls131 ws137\">3<span class=\"_ _3\"></span>,1<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-500": {
   "value": "Market risk<span class=\"_ _35a\"> </span>Mark<span class=\"_ _0\"></span>et risk is the risk of an adver<span class=\"_ _0\"></span>se change in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s income or the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s net w<span class=\"_ _0\"></span>or<span class=\"_ _3\"></span>th arising from mov<span class=\"_ _0\"></span>ement in inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates, e<span class=\"_ _0\"></span>xchange rates or other mark<span class=\"_ _0\"></span>et prices<span class=\"_ _0\"></span>. Mark<span class=\"_ _0\"></span>et risk exis<span class=\"_ _0\"></span>ts, to some e<span class=\"_ _0\"></span>xtent, in all the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s businesses<span class=\"_ _0\"></span>. The Group recognises that the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fective management of mark<span class=\"_ _0\"></span>et risk is essen<span class=\"_ _0\"></span>tial to the maintenance of s<span class=\"_ _0\"></span>table earnings and preservation of shareholder v<span class=\"_ _0\"></span>alue.<span class=\"_ _35a\"> </span>Intere<span class=\"_ _3\"></span>st rate risk<span class=\"_ _35a\"> </span>The primary mark<span class=\"_ _0\"></span>et risk faced by the Group is in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate risk. Int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate risk is the risk of<span class=\"_ gs2a\"> </span>loss from adv<span class=\"_ _0\"></span>erse mov<span class=\"_ _0\"></span>ement in the ov<span class=\"_ _0\"></span>erall lev<span class=\"_ _0\"></span>el of inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ates. It arises from mismat<span class=\"_ _0\"></span>ches in the timing of repricing o<span class=\"_ _0\"></span>f assets and liabilities, both on and off-balance sheet. The Group does not run a trading book<span class=\"_ _0\"></span>, with all interes<span class=\"_ _0\"></span>t rate risk residing in the banking book (in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate risk in the banking book (IRRBB)). Through prudent managemen<span class=\"_ _0\"></span>t, the Group seeks t<span class=\"_ _0\"></span>o minimise its IRRBB exposures<span class=\"_ _0\"></span>, typically through matching asset<span class=\"_ _0\"></span>s and liabilities with similar tenors<span class=\"_ _0\"></span>, executing offsetting inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e swaps and main<span class=\"_ _0\"></span>taining a structur<span class=\"_ _0\"></span>al hedge progr<span class=\"_ _0\"></span>amme.<span class=\"_ _35a\"> </span>OSB and CCFS Bank<span class=\"_ _0\"></span>s apply an economic value (EV) at risk approach as well as an earnings-<span class=\"_ _35a\"> </span>at-risk approach for in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rate risk and basis risk. The in<span class=\"_ _0\"></span>terest r<span class=\"_ _0\"></span>ate sensitivity is impacted by behavioural assumptions used by the Gr<span class=\"_ _0\"></span>oup; the most significant o<span class=\"_ _0\"></span>f which are prepayment<span class=\"_ _0\"></span>s and mortgage offer pipeline tak<span class=\"_ _0\"></span>e up. Expected prepaymen<span class=\"_ _0\"></span>ts and offer conver<span class=\"_ _0\"></span>sions are monitored and mo<span class=\"_ _0\"></span>delled on a regular basis based upon his<span class=\"_ _0\"></span>torical analysis. The EV measure of dur<span class=\"_ _0\"></span>ation risk quantifies risk by applying six shaped int<span class=\"_ _0\"></span>erest r<span class=\"_ _0\"></span>ate shocks scenarios to the curren<span class=\"_ _0\"></span>t forward curve<span class=\"_ _0\"></span>. Scenarios are re<span class=\"_ _0\"></span>viewe<span class=\"_ _0\"></span>d on semi-annual basis and approv<span class=\"_ _0\"></span>ed by AL<span class=\"_ _0\"></span>CO and are based on thr<span class=\"_ _0\"></span>ee \u2018<span class=\"_ _0\"></span>shapes<span class=\"_ _0\"></span>\u2019 of curve mo<span class=\"_ _0\"></span>vement (par<span class=\"_ _0\"></span>allel, twist, flex) using hist<span class=\"_ _0\"></span>orical data to calibrat<span class=\"_ _0\"></span>e the severity o<span class=\"_ _0\"></span>f the shocks applied. The mos<span class=\"_ _0\"></span>t detrimental net present v<span class=\"_ _0\"></span>alue to these scenarios is measured agains<span class=\"_ _0\"></span>t the Board risk appetite of 1.<span class=\"_ _0\"></span>5% of Tier 1 capital. The table belo<span class=\"_ _0\"></span>w shows the maximum decr<span class=\"_ _0\"></span>eases to net interes<span class=\"_ _0\"></span>t income under these scenarios after taking into account the e<span class=\"_ _0\"></span>f<span class=\"_ _3\"></span>fect of he<span class=\"_ _0\"></span>dging:<span class=\"_ _35a\"> </span><table class=\"s w441 hfa\" id=\"_22fd125c-67f8-4799-8396-136e72619b70\"><tr><td></td><td class=\"t m1 x2c8 h21 y42a5 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y42a5 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y42a6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x2cc h21 y42a6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfec y3fd6 w663 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfed y3fd5 w4c9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfee y42a7 wb06 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfef y3fe7 wb07 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xff0 y3d59 w5e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff1 y3d5a wb08 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">4.1<span class=\"_ _35a\"> </span></div></td></tr></table>The earnings measure o<span class=\"_ _0\"></span>f duration risk (EaR) quantifies the impact o<span class=\"_ _0\"></span>f changes in interes<span class=\"_ _0\"></span>t rates to the net int<span class=\"_ _0\"></span>erest income of the bank within a giv<span class=\"_ _0\"></span>en 12-month time horiz<span class=\"_ _0\"></span>on. A parallel shock of +/-100bps is applie<span class=\"_ _0\"></span>d to interes<span class=\"_ _0\"></span>t rate sensitiv<span class=\"_ _0\"></span>e instrument<span class=\"_ _0\"></span>s to determine EaR sensitivity of the Group, assuming a cons<span class=\"_ _0\"></span>tant balance sheet. EaR risk appetite limit<span class=\"_ _0\"></span>s are approv<span class=\"_ _0\"></span>ed by the Board, and curr<span class=\"_ _0\"></span>ently set at 4% of full-year net int<span class=\"_ _0\"></span>erest income (NII). The table belo<span class=\"_ _0\"></span>w shows the maximum decreases after taking int<span class=\"_ _0\"></span>o account the effect of hedging:<span class=\"_ _35a\"> </span><table class=\"s w441 hfa\" id=\"_7a514d9c-b043-44b4-b21b-c2366583b895\"><tr><td></td><td class=\"t m1 x2c8 h21 y42a8 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y42a8 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y42a9 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x2cc h21 y42a9 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff2 y3fd6 w51f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">1<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff3 y3fd5 w512 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">6.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff4 y42a7 wb09 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls59 wsde\">6.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff5 y3fe7 w636 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsec wse6\">9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xff6 y3f5f wb0a hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff7 y3d5a w8e8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15.7<span class=\"_ _35a\"> </span></div></td></tr></table>EaR quantifies the impact of changes in in<span class=\"_ _0\"></span>teres<span class=\"_ _0\"></span>t rates to the net in<span class=\"_ _0\"></span>terest income within a giv<span class=\"_ _0\"></span>en 3-year time horiz<span class=\"_ _0\"></span>on. A parallel shock of +/-100bps is applie<span class=\"_ _0\"></span>d to interes<span class=\"_ _0\"></span>t rate sensitiv<span class=\"_ _0\"></span>e instrument<span class=\"_ _0\"></span>s to determine EaR sensitivity o<span class=\"_ _0\"></span>f the Group, assuming a const<span class=\"_ _0\"></span>ant balance sheet. EaR risk appetite limits are appr<span class=\"_ _0\"></span>oved by the Boar<span class=\"_ _0\"></span>d, and currently set at 4% of 3-ye<span class=\"_ _0\"></span>ar net interes<span class=\"_ _0\"></span>t income.<span class=\"_ _35a\"> </span><table class=\"s w166 h12c\" id=\"_97c4bc00-0328-47af-b30f-4025a9eaeb3d\"><tr><td></td><td class=\"t m1 x2c8 h21 y42aa ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y42aa ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y42ab ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x2cc h21 y42ab ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n x291 y3fe6 wb0b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls26 wse0\">14.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff8 y3fd5 wb0c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">24.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xff9 y3fe8 wb0d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffa y3fe7 w99d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls17 ws13\">25.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n xffb y3f5f w8e5 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">33.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffc y3d5a wb0e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr></table><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs689\">Basis risk measures the degr<span class=\"_ _0\"></span>ee to which the bank is sensitive to e<span class=\"_ _0\"></span>xposures repricing by varying </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68a\">degrees<span class=\"_ _0\"></span>, even wher<span class=\"_ _0\"></span>e their duration is the same, due t<span class=\"_ _0\"></span>o them being link<span class=\"_ _0\"></span>ed to dif<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>ent indices. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68b\">These indices may be mark<span class=\"_ _0\"></span>et rates (<span class=\"_ _0\"></span>e.g. BBR or SONIA) or adminis<span class=\"_ _0\"></span>tered (<span class=\"_ _0\"></span>e.g. the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s S<span class=\"_ _0\"></span>VR, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68c\">other discretionary variable r<span class=\"_ _0\"></span>ates, or that r<span class=\"_ _0\"></span>eceived on call account<span class=\"_ _0\"></span>s with other banks). The </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68d\">Group measures basis risk using the impac<span class=\"_ _0\"></span>t of four scenarios on net inter<span class=\"_ _0\"></span>est income ov<span class=\"_ _0\"></span>er a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68e\">one-year period, with the lar<span class=\"_ _0\"></span>gest negative impact acr<span class=\"_ _0\"></span>oss the scenarios being the basis risk </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs68f\">exposure assesse<span class=\"_ _0\"></span>d against risk appetite<span class=\"_ _0\"></span>. Dislocations between the bases are calculat<span class=\"_ _0\"></span>ed on a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs690\">1 in 20-year confidence int<span class=\"_ _0\"></span>er<span class=\"_ _3\"></span>val le<span class=\"_ _0\"></span>vel and include increasing, decr<span class=\"_ _0\"></span>easing and static base r<span class=\"_ _0\"></span>ate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs691\">environmen<span class=\"_ _0\"></span>t, as well as a fourth scenario (in a decreasing r<span class=\"_ _0\"></span>ate environmen<span class=\"_ _0\"></span>t) which measures </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs692\">the impact of the timing lag betw<span class=\"_ _0\"></span>een the repricing of adminis<span class=\"_ _0\"></span>tered rat<span class=\"_ _0\"></span>e savings against S<span class=\"_ _0\"></span>VR </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs693\">link<span class=\"_ _0\"></span>ed mortgages. The Boar<span class=\"_ _0\"></span>d has set a limit on basis risk exposure across both bank<span class=\"_ _0\"></span>s of 3% o<span class=\"_ _0\"></span>f </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs694\">full year net inter<span class=\"_ _0\"></span>est income<span class=\"_ _0\"></span>. The table below sho<span class=\"_ _0\"></span>ws the maximum decreases to net int<span class=\"_ _0\"></span>erest </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs695\">income at 31 December 2024 and 2023:<span class=\"_ _35a\"> </span></div><div class=\"gs696\"><table class=\"s w6c7 hfa\" id=\"_56e52dc9-a2f8-4675-914f-e904fbd8d96d\"><tr><td></td><td class=\"t m1 x3cd h21 y42ac ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y42ac ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y42ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td><td class=\"t m1 x27c h21 y42ad ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m </td></tr><tr><td class=\"c n x248 y3fd5 w167 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">OSB<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfec y3fd6 w5ad hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">6.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffd y3fd5 wb0f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse7 wse2\">7.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fe7 w16a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls24 ws132\">CC<span class=\"_ _3\"></span>FS<span class=\"_ _35a\"> </span></div></td><td class=\"c n xffe y42a7 w667 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">4<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfff y3fe7 w848 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse8 wse3\">4.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x1000 y3d59 wb10 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">10.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1001 y3d5a w4df hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">12.5<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls0 ws0 gs697\">Foreig<span class=\"_ _3\"></span>n exchange rate risk<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs698\">The Group has limited e<span class=\"_ _0\"></span>xposure to for<span class=\"_ _0\"></span>eign exchange risk in respect o<span class=\"_ _0\"></span>f its Indian operations<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs699\">A<span class=\"_ gs2a\"> </span>5% increase in the GBP<span class=\"_ _0\"></span>/INR exchange r<span class=\"_ _0\"></span>ate would result in a \u00a3<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>m (2023: \u00a30<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m) effect in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs69a\">profit or loss and \u00a31.<span class=\"_ _0\"></span>0m (2023: \u00a30<span class=\"_ _0\"></span>.6m) in equity.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls109 ws106 gs69b\">Structur<span class=\"_ _3\"></span>ed entitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs69c\">The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2024 were Can<span class=\"_ _0\"></span>terbury </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs69d\">Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs69e\">Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc, K<span class=\"_ _0\"></span>eys W<span class=\"_ _0\"></span>arehouse No<span class=\"_ _0\"></span>.1 Limit<span class=\"_ _0\"></span>ed, CMF 2024-1 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs69f\">plc and PMF 2024-1 plc<span class=\"_ _0\"></span>. These entities hold legal title to a pool of mortgages which ar<span class=\"_ _0\"></span>e used as a </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs6a0\">security for issued debt. The tr<span class=\"_ _0\"></span>ansfer of mortgages fails derecognition crit<span class=\"_ _0\"></span>eria because the Group </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs6a1\">retained the subor<span class=\"_ _0\"></span>dinated notes and r<span class=\"_ _0\"></span>esidual cer<span class=\"_ _3\"></span>tificates issued and as such did not tr<span class=\"_ _0\"></span>ansfer </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs6a2\">subst<span class=\"_ _0\"></span>antially the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the securitised mortgages<span class=\"_ _0\"></span>. Therefore<span class=\"_ _0\"></span>, the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs6a3\">Group is expose<span class=\"_ _0\"></span>d to credit, inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate and other risks on the securitised mortgages<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs6a4\">Cash flows gener<span class=\"_ _0\"></span>ated from the s<span class=\"_ _0\"></span>tructured entities ar<span class=\"_ _0\"></span>e ring-fenced and ar<span class=\"_ _0\"></span>e used to pay interes<span class=\"_ _0\"></span>t and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs6a5\">principal of the issued debt securities in a w<span class=\"_ _0\"></span>aterfall order accor<span class=\"_ _0\"></span>ding to the seniority of the bonds. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls15 ws0 gs6a6\">The structur<span class=\"_ _0\"></span>ed entities are self-<span class=\"_ _0\"></span>funded and the Group is not contr<span class=\"_ _0\"></span>actually or constructively oblige<span class=\"_ _0\"></span>d<span class=\"_ _3\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6a7\">to pro<span class=\"_ _0\"></span>vide fur<span class=\"_ _3\"></span>ther liquidity or financial support. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6a8\">The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2023 were Can<span class=\"_ _0\"></span>terbury </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6a9\">Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6aa\">Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc and Keys W<span class=\"_ _2\"></span>arehouse No.<span class=\"_ _0\"></span>1 Limited.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls109 ws106 gs6ac\">Unc<span class=\"_ _3\"></span>onsolid<span class=\"_ _3\"></span>ated str<span class=\"_ _3\"></span>ucture<span class=\"_ _3\"></span>d entities<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ad\">Structured en<span class=\"_ _0\"></span>tities, which w<span class=\"_ _0\"></span>ere sponsored by the Gr<span class=\"_ _0\"></span>oup include Char<span class=\"_ _3\"></span>ter Mortgage Funding </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ae\">2018-1 plc<span class=\"_ _0\"></span>, Precise Mortgage Funding 2019-<span class=\"_ _0\"></span>1B plc, Precise Mortgage Funding 2020-<span class=\"_ _0\"></span>1B plc, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6af\">PMF<span class=\"_ gs2a\"> </span>2024-2 plc and Roches<span class=\"_ _0\"></span>ter Financing No.<span class=\"_ _0\"></span>3 plc.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b0\">The structur<span class=\"_ _0\"></span>ed entities are considere<span class=\"_ _0\"></span>d sponsored by the Group if any of the f<span class=\"_ _0\"></span>ollowing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b1\">conditions are met: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b2\">\u2022 <span class=\"_ _15\"> </span>the Group had a k<span class=\"_ _0\"></span>ey role in est<span class=\"_ _0\"></span>ablishing the entity.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b3\">\u2022 <span class=\"_ _15\"> </span>the Group transf<span class=\"_ _0\"></span>erred assets to the en<span class=\"_ _0\"></span>tity.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b4\">\u2022 <span class=\"_ _15\"> </span>the entity\u2019<span class=\"_ _2\"></span>s name includes a reference to the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b5\">\u2022 <span class=\"_ _15\"> </span>the Group provides guar<span class=\"_ _0\"></span>antees on the entity<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s performance.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b6\">These structur<span class=\"_ _0\"></span>ed entities are not consolidated by the Gr<span class=\"_ _0\"></span>oup, as the Group does not contr<span class=\"_ _0\"></span>ol </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b7\">the entities and is not expose<span class=\"_ _0\"></span>d to the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership from the securitised </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b8\">mortgages. The Group has no con<span class=\"_ _0\"></span>tractual arr<span class=\"_ _0\"></span>angements with the unconsolidated s<span class=\"_ _0\"></span>tructured </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6b9\">entities other than the inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>ts disclosed in note 16 and servicing the structured en<span class=\"_ _0\"></span>tities<span class=\"_ _0\"></span>\u2019 </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6ba\">mortgage portfolios. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6bb\">The Group has not pro<span class=\"_ _0\"></span>vided any support to the unconsolidated structur<span class=\"_ _0\"></span>ed entities list<span class=\"_ _0\"></span>ed and </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6bc\">has no obligation or inten<span class=\"_ _0\"></span>tion to do so.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6bd\">During 2024 the Group r<span class=\"_ _0\"></span>eceived \u00a38.<span class=\"_ _0\"></span>1m inter<span class=\"_ _0\"></span>est income (202<span class=\"_ _0\"></span>3: \u00a35.3m) and \u00a32.<span class=\"_ _0\"></span>1m servicing </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs6be\">income (2023: \u00a32.<span class=\"_ _0\"></span>6m) from unconsolidated struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-516": {
   "value": "Structur<span class=\"_ _3\"></span>ed entitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span>The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2024 were Can<span class=\"_ _0\"></span>terbury Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc, K<span class=\"_ _0\"></span>eys W<span class=\"_ _0\"></span>arehouse No<span class=\"_ _0\"></span>.1 Limit<span class=\"_ _0\"></span>ed, CMF 2024-1 plc and PMF 2024-1 plc<span class=\"_ _0\"></span>. These entities hold legal title to a pool of mortgages which ar<span class=\"_ _0\"></span>e used as a security for issued debt. The tr<span class=\"_ _0\"></span>ansfer of mortgages fails derecognition crit<span class=\"_ _0\"></span>eria because the Group retained the subor<span class=\"_ _0\"></span>dinated notes and r<span class=\"_ _0\"></span>esidual cer<span class=\"_ _3\"></span>tificates issued and as such did not tr<span class=\"_ _0\"></span>ansfer subst<span class=\"_ _0\"></span>antially the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership of the securitised mortgages<span class=\"_ _0\"></span>. Therefore<span class=\"_ _0\"></span>, the Group is expose<span class=\"_ _0\"></span>d to credit, inter<span class=\"_ _0\"></span>est r<span class=\"_ _0\"></span>ate and other risks on the securitised mortgages<span class=\"_ _0\"></span>. Cash flows gener<span class=\"_ _0\"></span>ated from the s<span class=\"_ _0\"></span>tructured entities ar<span class=\"_ _0\"></span>e ring-fenced and ar<span class=\"_ _0\"></span>e used to pay interes<span class=\"_ _0\"></span>t and principal of the issued debt securities in a w<span class=\"_ _0\"></span>aterfall order accor<span class=\"_ _0\"></span>ding to the seniority of the bonds. The structur<span class=\"_ _0\"></span>ed entities are self-<span class=\"_ _0\"></span>funded and the Group is not contr<span class=\"_ _0\"></span>actually or constructively oblige<span class=\"_ _0\"></span>d<span class=\"_ _3\"></span> to pro<span class=\"_ _0\"></span>vide fur<span class=\"_ _3\"></span>ther liquidity or financial support. The structur<span class=\"_ _0\"></span>ed entities consolidated within the Group at 3<span class=\"_ _0\"></span>1 December 2023 were Can<span class=\"_ _0\"></span>terbury Finance No.2 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>3 plc, Canterbury Finance No<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4 plc<span class=\"_ _0\"></span>, Canterbury Finance No.<span class=\"_ _0\"></span>5 plc, CMF 202<span class=\"_ _0\"></span>0-1 plc, CMF 2<span class=\"_ _0\"></span>023-1 plc and Keys W<span class=\"_ _2\"></span>arehouse No.<span class=\"_ _0\"></span>1 Limited.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutConsolidatedStructuredEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-517": {
   "value": "Unc<span class=\"_ _3\"></span>onsolid<span class=\"_ _3\"></span>ated str<span class=\"_ _3\"></span>ucture<span class=\"_ _3\"></span>d entities<span class=\"_ _35a\"> </span>Structured en<span class=\"_ _0\"></span>tities, which w<span class=\"_ _0\"></span>ere sponsored by the Gr<span class=\"_ _0\"></span>oup include Char<span class=\"_ _3\"></span>ter Mortgage Funding 2018-1 plc<span class=\"_ _0\"></span>, Precise Mortgage Funding 2019-<span class=\"_ _0\"></span>1B plc, Precise Mortgage Funding 2020-<span class=\"_ _0\"></span>1B plc, PMF<span class=\"_ gs2a\"> </span>2024-2 plc and Roches<span class=\"_ _0\"></span>ter Financing No.<span class=\"_ _0\"></span>3 plc.<span class=\"_ _35a\"> </span>The structur<span class=\"_ _0\"></span>ed entities are considere<span class=\"_ _0\"></span>d sponsored by the Group if any of the f<span class=\"_ _0\"></span>ollowing conditions are met: \u2022 <span class=\"_ _15\"> </span>the Group had a k<span class=\"_ _0\"></span>ey role in est<span class=\"_ _0\"></span>ablishing the entity.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the Group transf<span class=\"_ _0\"></span>erred assets to the en<span class=\"_ _0\"></span>tity.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the entity\u2019<span class=\"_ _2\"></span>s name includes a reference to the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _35a\"> </span>\u2022 <span class=\"_ _15\"> </span>the Group provides guar<span class=\"_ _0\"></span>antees on the entity<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s performance.<span class=\"_ _35a\"> </span>These structur<span class=\"_ _0\"></span>ed entities are not consolidated by the Gr<span class=\"_ _0\"></span>oup, as the Group does not contr<span class=\"_ _0\"></span>ol the entities and is not expose<span class=\"_ _0\"></span>d to the risks and r<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span>ards of o<span class=\"_ _0\"></span>wnership from the securitised mortgages. The Group has no con<span class=\"_ _0\"></span>tractual arr<span class=\"_ _0\"></span>angements with the unconsolidated s<span class=\"_ _0\"></span>tructured entities other than the inv<span class=\"_ _0\"></span>estmen<span class=\"_ _0\"></span>ts disclosed in note 16 and servicing the structured en<span class=\"_ _0\"></span>tities<span class=\"_ _0\"></span>\u2019 mortgage portfolios. The Group has not pro<span class=\"_ _0\"></span>vided any support to the unconsolidated structur<span class=\"_ _0\"></span>ed entities list<span class=\"_ _0\"></span>ed and has no obligation or inten<span class=\"_ _0\"></span>tion to do so.<span class=\"_ _35a\"> </span>During 2024 the Group r<span class=\"_ _0\"></span>eceived \u00a38.<span class=\"_ _0\"></span>1m inter<span class=\"_ _0\"></span>est income (202<span class=\"_ _0\"></span>3: \u00a35.3m) and \u00a32.<span class=\"_ _0\"></span>1m servicing income (2023: \u00a32.<span class=\"_ _0\"></span>6m) from unconsolidated struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-528": {
   "value": "43. <span class=\"_ _2\"></span>Financial instruments and fair values<span class=\"_ _35a\"> </span>i. <span class=\"_ _18a\"> </span>Financial a<span class=\"_ _3\"></span>ssets an<span class=\"_ _3\"></span>d financial li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span>The follo<span class=\"_ _0\"></span>wing tables set out the classification of financial ins<span class=\"_ _0\"></span>truments in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position:<span class=\"_ _35a\"> </span><table class=\"s wb11 h12d\" id=\"_fb03cfd2-df25-48dd-967e-38cf8c5136b0\"><tr><td></td><td></td><td></td><td class=\"t m1 x8e2 h21 y42ae ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x279 h21 y42af ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x3cd h21 y42b0 ff1 fs5 fc5 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x8df h21 y42b0 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"c x1003 y42b1 wb12 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">FV<span class=\"_ _3\"></span>TPL</div><div class=\"t m1 x1002 h39 y3d60 ff1 fs1e fc5 sc0 ls0 ws0\">1</div></td><td class=\"t m1 x1004 h21 y42b2 ff1 fs5 fc5 sc0 ls5b ws108\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1005 h21 y42b2 ff1 fs5 fc5 sc0 ls127 ws12d\">cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1006 h21 y42b2 ff1 fs5 fc5 sc0 ls0 ws0\">amount<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x1007 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">Note<span class=\"_ _35a\"> </span></td><td class=\"t m1 x853 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xe9c h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 xb61 h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y42b3 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y42b4 ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _296\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _10f\"> </span><span class=\"ff1\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _10f\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42b5 w44 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x1008 y42b6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1009 y42b6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100a y42b6 w45 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100b y42b6 w65e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42b7 w9c5 hbd\"><div class=\"t m1 x247 hf y3dbe ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100c y42b7 wb13 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100d y42b8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100e y42b8 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100f y42b8 w49 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1010 y42b8 wb14 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b9 w4b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1011 y42b9 w804 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1012 y42ba wa59 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">41<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1013 y42ba wb15 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1014 y42ba wb16 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls24 ws132\">798<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1015 y42ba wb17 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>34<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bb w4f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1016 y42bb w7fe hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1017 y42bc wb18 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1018 y42bc w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1019 y42bc wb19 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _1\"></span>5,1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101a y42bc wb1a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">25,<span class=\"_ _0\"></span>126.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42bd w57 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101b y42bd w58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101c y42be w12b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">313.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101d y42be w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101e y42be w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x101f y42be w59 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1e ws1d\">313<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42c0 wb1b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x1020 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y42c1 wb1c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1021 y42c2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1022 y42c2 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1023 y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1024 y42c2 wb1d hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1025 y42c3 wb1e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">736.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1026 y42c3 wb1f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">226.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1027 y42c3 wb20 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _3\"></span>9,<span class=\"_ _1\"></span>3<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1028 y42c3 wb21 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">3<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>82<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y42c4 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _255\"> </span><span class=\"ff2 ls0 ws0\"> <span class=\"_ _10f\"> </span><span class=\"ff1\"> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> <span class=\"_ _b9\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y409d w74 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1029 y409d w75 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls59 wsde\">28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102a y42c5 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102b y42c5 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102c y42c5 wb22 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23<span class=\"_ _3\"></span>,820.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102d y42c5 wb23 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">23,<span class=\"_ _3\"></span>820.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f w70 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102e y409f wb24 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102f y42c6 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1030 y42c6 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1031 y42c6 w7f2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1032 y42c6 wb25 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,93<span class=\"_ _1\"></span>5.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c7 w7b hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1033 y42c7 w7c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1034 y42c8 w6f7 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1035 y42c8 w9e hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1036 y42c8 wb26 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">10<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1037 y42c8 w81b hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse3 wsdc\">1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>4.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 w7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1038 y42c9 w80 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls121 wsb9\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1039 y42ca w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103a y42ca w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103b y42ca w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103c y42ca w6c9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls22 wse7\">1,0<span class=\"_ _3\"></span>18.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42cb w83 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103d y42cb w58 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103e y42cc w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x103f y42cc wb27 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws9b\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1040 y42cc w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1041 y42cc w510 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.<span class=\"_ _0\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cd wb28 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x1042 h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n xdfa y3d53 wb29 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1043 y3fb3 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1044 y3fb3 w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1045 y3fb3 wb2a hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1046 y3fb3 wb2b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls62 ws5e\">56.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w95 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1047 y3d55 wb2c hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1048 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1049 y3fb4 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104a y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104b y3fb4 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls3d ws3b\">722<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 w99 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104c y3d58 w9a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104d y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104e y3fb5 w9e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104f y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1050 y3fb5 w97 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse2 wsdb\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1051 y3f5f wb2d hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1e ws1d\">81.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n xe78 y3f5f w6f7 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1052 y3f5f wb2e hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lse5 wsdf\">2<span class=\"_ _1\"></span>7,<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1053 y3f5f wb2f hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls69 ws1e\">27<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>999<span class=\"_ _0\"></span>.3<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _14\"> </span>A<span class=\"_ _3\"></span>ll FV<span class=\"_ _3\"></span>T<span class=\"_ _3\"></span>PL as<span class=\"_ _3\"></span>sets a<span class=\"_ _3\"></span>nd liab<span class=\"_ _3\"></span>iliti<span class=\"_ _3\"></span>es are m<span class=\"_ _3\"></span>anda<span class=\"_ _3\"></span>toril<span class=\"_ _3\"></span>y mea<span class=\"_ _3\"></span>sure<span class=\"_ _3\"></span>d as suc<span class=\"_ _3\"></span>h.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes prepayments.<span class=\"_ _35a\"> </span>3. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span><table class=\"s wb30 h12e\" id=\"_a124ed7b-5851-422a-b755-f4ee04aae2d5\"><tr><td></td><td></td><td></td><td class=\"t m1 xc92 h21 y42ce ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x2c9 h21 y42cf ff1 fs5 fc5 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x3ff h21 y42d0 ff1 fs5 fc5 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x8c4 h21 y42d0 ff1 fs5 fc5 sc0 ls0 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m1 x1054 h21 y42d1 ff1 fs5 fc5 sc0 ls0 ws0\">FV<span class=\"_ _3\"></span>TPL<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1055 h21 y42d1 ff1 fs5 fc5 sc0 ls5b ws108\">F<span class=\"_ _3\"></span>VOC<span class=\"_ _3\"></span>I<span class=\"_ _35a\"> </span></td><td class=\"t m1 x6a2 h21 y42d1 ff1 fs5 fc5 sc0 ls127 ws12d\">cost<span class=\"_ _35a\"> </span></td><td class=\"t m1 x1056 h21 y42d1 ff1 fs5 fc5 sc0 ls0 ws0\">amount</td></tr><tr><td></td><td class=\"t m1 xa5c h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\"> <span class=\"_ _ae\"> </span>Note<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79c h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79d h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x79e h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y42d2 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y42d3 ff1 fs6 fc4 sc0 lsd4 ws24\">Asset<span class=\"_ _3\"></span>s<span class=\"_ _296\"> </span><span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y42d4 w44 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Cash in h<span class=\"_ _3\"></span>and<span class=\"_ _35a\"> </span></div></td><td></td><td class=\"c n x1057 y42d4 w5e3 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1058 y42d4 w632 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1059 y42d4 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105a y42d4 wb31 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lse9 wse4\">0<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y40b7 w9c5 h129\"><div class=\"t m1 x247 hf y41f9 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to<span class=\"_ _35a\"> </span></div><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">credit<span class=\"_ gs2a\"> </span>in<span class=\"_ _3\"></span>stitutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x100c y40b7 wb13 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105b y40b7 wb32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">10.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105c y40b7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xec9 y40b7 wb33 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">2,<span class=\"_ _3\"></span>802.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105d y40b7 wb34 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">2,813.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42b7 w4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Investm<span class=\"_ _3\"></span>ent secur<span class=\"_ _3\"></span>ities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1011 y42b7 w804 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls130 ws136\">16<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105e y42b7 w5ea hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x105f y42b7 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1060 y42b7 wb36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1061 y42b7 wa36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">621.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d5 w4f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1016 y42d5 w7fe hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls2b ws2a\">17<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1062 y42d5 wb37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1063 y42d5 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1064 y42d5 w5ef hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,751.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1065 y42d5 w52 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">25,7<span class=\"_ _0\"></span>65.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d6 w5b8 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1066 y42d6 w58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1067 y42d6 wb38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1068 y42d6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1069 y42d6 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106a y42d6 w5a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">5<span class=\"_ _3\"></span>30.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42bd wb39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse6 wse1\">Other asse<span class=\"_ _0\"></span>ts</div><div class=\"t m1 x106b h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106c y42d7 w5c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">24<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106d y42d7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106e y42d7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106f y42d7 wb3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">11<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1070 y42d7 wb3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x1071 y42c1 w6d6 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lseb ws27\">555.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1072 y42c1 wb35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">2<span class=\"_ _3\"></span>96.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1073 y42c1 wb3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">28,89<span class=\"_ _3\"></span>1.<span class=\"_ _2\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1074 y42c1 wb3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15e ws16d\">2<span class=\"_ _1\"></span>9,<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>3<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y42d8 ff1 fs6 fc4 sc0 ls9e ws9b\">Liabili<span class=\"_ _0\"></span>ties<span class=\"_ _255\"> </span><span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40c1 w74 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to retail depo<span class=\"_ _3\"></span>sitors<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1075 y40c1 wb3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">28<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1076 y40c1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1077 y40c1 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1078 y40c1 w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,<span class=\"_ _0\"></span>126.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1079 y40c1 w77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">22,<span class=\"_ _0\"></span>126.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409d w70 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to credit ins<span class=\"_ _3\"></span>titutions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x102e y409d wb24 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">27<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107a y409d w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107b y409d w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107c y409d wb3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107d y409d wa4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">3,<span class=\"_ _3\"></span>575<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f wb40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Amounts o<span class=\"_ _3\"></span>wed to other cus<span class=\"_ _3\"></span>tomers<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1033 y409f w7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">29<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107e y409f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x107f y409f w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1080 y409f w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1081 y409f w7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">63.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c7 w7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Debt s<span class=\"_ _3\"></span>ecuritie<span class=\"_ _3\"></span>s in issue<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1082 y42c7 wb41 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls121 wsb9\">30<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1083 y42c7 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1084 y42c7 w632 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1085 y42c7 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcba y42c7 w6ca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls13 ws11\">818.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42d9 w83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Der<span class=\"_ _3\"></span>ivative liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1086 y42d9 w58 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls62 ws5e\">22<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1087 y42d9 wb42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1088 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1089 y42d9 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108a y42d9 wb43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _1\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y42cb wb44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er liabilities</div><div class=\"t m1 x108b h20 y42bf ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x106c y3d51 wb29 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">32<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108c y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108d y3d51 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108e y3d51 w516 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x108f y3d51 wb45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">3<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd3 w95 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Seni<span class=\"_ _3\"></span>or notes<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1047 y3fd3 w96 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls101 ws6f\">34<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1090 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1091 y3fd3 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1092 y3fd3 wb46 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1093 y3fd3 w703 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse7 wse2\">3<span class=\"_ _18\"> </span>0<span class=\"_ _3\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 w99 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Subo<span class=\"_ _3\"></span>rdinated liabilitie<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x104c y3d55 wb47 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls104 ws59\">35<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1094 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1095 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1096 y3d55 wb48 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1097 y3d55 wb49 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">2<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wa5e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls141 ws51\">PSBs<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1098 y3d58 w9d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls61 ws5d\">36<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1099 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109a y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109b y3d58 w9f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109c y3d58 wb4a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsde wsd8\">15.2<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x109d y3d5a wb4b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsec wse6\">1<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109e y3d5a w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x109f y3d5a wb4c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x10a0 y3d5a wb4d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsee wse9\">2<span class=\"_ _1\"></span>7,<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>7<span class=\"_ _35a\"> </span></div></td></tr></table>1. <span class=\"_ _11\"> </span>B<span class=\"_ _3\"></span>alance e<span class=\"_ _0\"></span>xcludes prepaymen<span class=\"_ _0\"></span>ts.<span class=\"_ _35a\"> </span>2. <span class=\"_ _e\"> </span>Balance excl<span class=\"_ _0\"></span>udes deferred income.<span class=\"_ _35a\"> </span>The Group has no non-derivativ<span class=\"_ _0\"></span>e financial assets or financial liabilities classified as held for<span class=\"_ gs2a\"> </span>tr<span class=\"_ _0\"></span>ading.<span class=\"_ _35a\"> </span>The designation at FV<span class=\"_ _3\"></span>TPL f<span class=\"_ _0\"></span>or all financial assets is applied at inception.<span class=\"_ _35a\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws180 gs72a\">44<span class=\"_ _0\"></span>. Pension <span class=\"_ _1\"></span>scheme<span class=\"_ _35a\"> </span></div><div class=\"t m1 hb ff6 fs7 fc4 sc0 ls10a ws107 gs72b\">Defined contri<span class=\"_ _0\"></span>bution sc<span class=\"_ _0\"></span>heme<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs72c\">The amount char<span class=\"_ _0\"></span>ged to profit or loss in respect o<span class=\"_ _0\"></span>f contributions to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s defined </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs9e\">contribution and s<span class=\"_ _0\"></span>tak<span class=\"_ _0\"></span>eholder pension arrangements is the con<span class=\"_ _0\"></span>tribution payable in the year<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs72d\">The total pension cos<span class=\"_ _0\"></span>t in the year amounted to \u00a35<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>m (<span class=\"_ _0\"></span>2023: \u00a34<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>9m).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDefinedContributionPlansExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws18b gs72f\">45. Oper<span class=\"_ _0\"></span>ating <span class=\"_ _1\"></span>segments<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs730\">The Group segment<span class=\"_ _0\"></span>s its lending business and operates under tw<span class=\"_ _0\"></span>o segments in line with in<span class=\"_ _0\"></span>ternal </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs731\">reporting to the Board: </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs732\">\u2022 <span class=\"_ _15\"> </span><span class=\"ls1d ws1c\">OSB<span class=\"_ _35a\"> </span></span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs733\">\u2022 <span class=\"_ _15\"> </span>CCFS<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs734\">The Group applies consis<span class=\"_ _0\"></span>tent accounting policies across all segmen<span class=\"_ _0\"></span>ts. The Gr<span class=\"_ _0\"></span>oup separately </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs735\">discloses the impact of Combination accounting but does not consider this a business segmen<span class=\"_ _0\"></span>t.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs736\">The financial position and results o<span class=\"_ _0\"></span>f operations of the abov<span class=\"_ _0\"></span>e segments ar<span class=\"_ _0\"></span>e summarised below:<span class=\"_ _35a\"> </span></div><div class=\"gs737\"><table class=\"s wbbb h134\" id=\"_94400b81-9e07-4e69-8bae-84b3f59d2219\"><tr><td></td><td class=\"t m1 x767 h21 y4321 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xdf5 h21 y4321 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x985 h21 y4321 ff1 fs5 fc5 sc0 ls0 ws0\">Combination<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y4321 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4322 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x862 h21 y4322 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x863 h21 y4322 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x864 h21 y4322 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4322 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y4323 ff1 fs6 fc4 sc0 ls0 ws0\">Balan<span class=\"_ _3\"></span>ces at th<span class=\"_ _3\"></span>e repo<span class=\"_ _3\"></span>rting dat<span class=\"_ _3\"></span>e<span class=\"_ _3a\"> </span><span class=\"fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _93\"> </span> <span class=\"_ _2f7\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4324 wbbc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls15 ws0\">Gross l<span class=\"_ _3\"></span>oans and ad<span class=\"_ _3\"></span>vances to cu<span class=\"_ _3\"></span>stomer<span class=\"_ _3\"></span>s</div></td><td class=\"c n x11c1 y4325 wbbd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>4<span class=\"_ _1\"></span>39.<span class=\"_ _1\"></span>0</div></td><td class=\"c n x11c2 y4325 wbbe hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf1 wsed\">9,<span class=\"_ _1\"></span>81<span class=\"_ _1\"></span>4.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c3 y4325 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 wsc6\">\u2013</div></td><td class=\"c n x11c4 y4325 wbbf hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc9 wsc5\">25,253.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4326 wbc0 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>cted cre<span class=\"_ _3\"></span>dit loss<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c5 y4327 wbc1 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">(101.<span class=\"_ _0\"></span>1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c6 y4327 wbc2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(25<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c7 y4327 wf4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 wsc6\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c8 y4327 wbc3 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>6.9<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4328 w4f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11c9 y4329 wbc4 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">15,3<span class=\"_ _3\"></span>37<span class=\"_ _2\"></span>.9</div></td><td class=\"c n x11ca y4329 wbc5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsca wsc6\">9<span class=\"_ _0\"></span>,788.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11cb y4329 wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 wsc6\">\u2013</div></td><td class=\"c n x11cc y4329 wbc6 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">2<span class=\"_ _3\"></span>5,<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>6.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y432a wbc7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Capital exp<span class=\"_ _3\"></span>enditure<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11cd y432b wbc8 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">43.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ce y432b w107 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11cf y432b wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 wsc6\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfbb y432b wbc9 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">43.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y432c wbca hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Dep<span class=\"_ _3\"></span>reciatio<span class=\"_ _3\"></span>n and amor<span class=\"_ _3\"></span>tisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d0 y432d wbcb hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">7.<span class=\"_ _1\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d1 y432d wbcc hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d2 y432d w100 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc6 ws55\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d3 y432d wbcd hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">11.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y432e ff1 fs6 fc4 sc0 ls0 ws0\">Profit or l<span class=\"_ _3\"></span>oss for t<span class=\"_ _3\"></span>he year<span class=\"_ _186\"> </span><span class=\"fs0\"> <span class=\"_ _93\"> </span> <span class=\"_ _2f7\"> </span> <span class=\"_ _93\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y432f wbce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls63 ws5f\">Net in<span class=\"_ _0\"></span>terest income<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>expense<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d4 y432f wbcf hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc3 wsc1\">3<span class=\"_ _3\"></span>8<span class=\"_ _1\"></span>9.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d5 y432f wbd0 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">301.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d6 y432f wbd1 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d7 y432f wbd2 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 ls0 ws0\">666.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4330 wbd3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls63 ws5f\">Other (<span class=\"_ _0\"></span>ex<span class=\"_ _0\"></span>pense)<span class=\"_ _0\"></span>/income<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d8 y4330 wbd4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc5 wsc3\">(3.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11d9 y4330 wbcc hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsf7 wsf5\">3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11da y4330 w8a4 hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsce ws70\">1.2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11db y4330 w82a hb2\"><div class=\"t m1 x247 ha y3cd2 ff1 fs0 fc4 sc0 lsc6 ws55\">0.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y409f wbd5 hb4\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal incom<span class=\"_ _3\"></span>e/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>expens<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11dc y409f wbd6 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsc8 ws29\">385.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11dd y409f w73b hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsc6 ws55\">304.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11de y409f wbd7 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls3b ws39\">(23.<span class=\"_ _3\"></span>0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbc8 y409f wbd8 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf0 wseb\">6<span class=\"_ _1\"></span>6<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f94 wbd9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Impairm<span class=\"_ _3\"></span>ent of financial as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11df y41c7 wbda hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e0 y41c7 wbdb hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">9.<span class=\"_ _3\"></span>9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e1 y41c7 wbdc hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e2 y41c7 wbdd hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">11.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y42c9 wbde hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsc4 ws26\">Contribut<span class=\"_ _0\"></span>ion to profit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e3 y42c9 w872 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsca wsc6\">388.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e4 y42c9 wbdf hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsc6 ws55\">314.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e5 y42c9 w9e6 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf7 wsf5\">(2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e6 y42c9 wbe0 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls84 ws84\">6<span class=\"_ _3\"></span>78<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8b wbe1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Administrati<span class=\"_ _3\"></span>ve expens<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e7 y3d8c wbe2 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">(149<span class=\"_ _2\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e8 y3d8c wbe3 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11e9 y3d8c wbe4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls5a wsc2\">(0.<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xbe1 y3d8c wbe5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsca wsc6\">(258<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4331 w8e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsf6 ws77\">Provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ea y4332 wbe6 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(2.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11eb y4332 wf4 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 wsc6\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ec y4332 wf5 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 wsc6\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ed y4332 wbe7 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(2.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fd5 wbe8 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 lsc4 ws26\">Profit/<span class=\"_ _0\"></span>(loss<span class=\"_ _0\"></span>) before taxa<span class=\"_ _0\"></span>tion<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ee y3fd5 wbe9 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsc7 wsc4\">23<span class=\"_ _3\"></span>5.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ef y3fd5 w95f hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls0 ws0\">207<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f0 y3fd5 w97 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>4.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f1 y3fd5 wbea hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf7 wsf5\">4<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4333 wbeb hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">T<span class=\"_ _0\"></span>axation</div><div class=\"t m1 x11f2 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x99e y4334 wbec hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls2a wsc\">(65<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f3 y4334 wbed hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls5a wsc2\">(<span class=\"_ _3\"></span>51.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f4 y4334 wbee hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 ls0 ws0\">6.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f5 y4334 wbef hbb\"><div class=\"t m1 x247 h2 y3d8e ff1 fs0 fc4 sc0 lsf2 wsee\">(110.<span class=\"_ _3\"></span>0)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls104 ws59\">Profit/<span class=\"_ _0\"></span>(loss<span class=\"_ _0\"></span>) for the yea<span class=\"_ _0\"></span>r<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f6 y3d5a w9b7 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls106 ws163\">170.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f7 y3d5a wbf0 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 ls6f ws6b\">155.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f8 y3d5a waaf hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lsf0 wseb\">(<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f9 y3d5a wf6 hb5\"><div class=\"t m1 x247 ha y3d00 ff1 fs0 fc4 sc0 lse wsf4\">308.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs738\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The t<span class=\"_ _3\"></span>axatio<span class=\"_ _3\"></span>n on Co<span class=\"_ _3\"></span>mbin<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n cred<span class=\"_ _3\"></span>it inc<span class=\"_ _3\"></span>lude<span class=\"_ _3\"></span>s rele<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e of defe<span class=\"_ _3\"></span>rred t<span class=\"_ _3\"></span>axatio<span class=\"_ _3\"></span>n on CC<span class=\"_ _3\"></span>FS Comb<span class=\"_ _3\"></span>inati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>atin<span class=\"_ _3\"></span>g to the </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs739\">unwi<span class=\"_ _3\"></span>nd of the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x liabi<span class=\"_ _3\"></span>litie<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n the fa<span class=\"_ _3\"></span>ir valu<span class=\"_ _3\"></span>e adjus<span class=\"_ _3\"></span>tme<span class=\"_ _3\"></span>nts of th<span class=\"_ _3\"></span>e CCFS as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s and lia<span class=\"_ _3\"></span>bilit<span class=\"_ _3\"></span>ies at<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs73a\">the<span class=\"_ gs378\"> </span>a<span class=\"_ _3\"></span>cqui<span class=\"_ _3\"></span>sitio<span class=\"_ _3\"></span>n date of \u00a36<span class=\"_ _3\"></span>.3m an<span class=\"_ _3\"></span>d the re<span class=\"_ _3\"></span>lea<span class=\"_ _3\"></span>se of oth<span class=\"_ _3\"></span>er de<span class=\"_ _3\"></span>ferre<span class=\"_ _3\"></span>d tax as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s on Co<span class=\"_ _3\"></span>mbin<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n adjus<span class=\"_ _3\"></span>tme<span class=\"_ _3\"></span>nts of \u00a3<span class=\"_ _3\"></span>0.6m.<span class=\"_ _35a\"> </span></div><div class=\"gs5e4\"><table class=\"s wbf1 h135\" id=\"_4f6c4ecf-4c09-4c2c-9a4c-55b968633cb5\"><tr><td></td><td class=\"t m1 x11fa h21 y4335 ff1 fs5 fc5 sc0 lsa5 wsa2\">OSB<span class=\"_ _35a\"> </span></td><td class=\"t m1 xad6 h21 y4335 ff1 fs5 fc5 sc0 ls127 ws12d\">CCFS<span class=\"_ _35a\"> </span></td><td class=\"t m1 x8c6 h21 y4335 ff1 fs5 fc5 sc0 ls0 ws0\">Combination<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y4335 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd h21 y4336 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td><td class=\"t m1 x892 h21 y4336 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x893 h21 y4336 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x40d h21 y4336 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y4336 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x2cd ha y4337 ff1 fs6 fc4 sc0 ls0 ws0\">Balan<span class=\"_ _3\"></span>ces at th<span class=\"_ _3\"></span>e repo<span class=\"_ _3\"></span>rting dat<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4338 ff2 fs6 fc4 sc0 ls0 ws0\">Gross l<span class=\"_ _3\"></span>oans and ad<span class=\"_ _3\"></span>vances </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd hf y4339 ff2 fs6 fc4 sc0 ls13 ws11\">to<span class=\"_ gs2a\"> </span>cu<span class=\"_ _3\"></span>stom<span class=\"_ _3\"></span>ers<span class=\"_ _35a\"> </span></td><td class=\"c n x11fb y433a w7af h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3</div></td><td class=\"c n x11fc y433a wbf2 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd9 wsd5\">1<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>,<span class=\"_ _1\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _1\"> </span>7.<span class=\"_ _18\"> </span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11fd y433a wbf3 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls28 ws43\">24.<span class=\"_ _3\"></span>3</div></td><td class=\"c n x11fe y433a wbf4 h102\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsc7 wsc4\">25,<span class=\"_ _0\"></span>910.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4326 wbc0 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">Expe<span class=\"_ _3\"></span>cted cre<span class=\"_ _3\"></span>dit loss<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11ff y4327 wbf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">(111.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1200 y4327 wa14 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1201 y4327 wbf6 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">1.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1202 y4327 wbf7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(14<span class=\"_ _3\"></span>5.8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y433b w4f hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Loans and ad<span class=\"_ _3\"></span>vance<span class=\"_ _3\"></span>s to customer<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf38 y433c wbf8 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">14,<span class=\"_ _3\"></span>39<span class=\"_ _3\"></span>8.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1203 y433c wbf9 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">11,341.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1204 y433c wbfa hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">2<span class=\"_ _3\"></span>5<span class=\"_ _1\"></span>.4</div></td><td class=\"c n x1205 y433c waf3 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsf9 wsf7\">2<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>76<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y432a wbc7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Capital exp<span class=\"_ _3\"></span>enditure<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1206 y432b w51b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls11d ws120\">25.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1207 y432b w673 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1208 y432b w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1209 y432b wbfb hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls11d ws120\">25<span class=\"_ _3\"></span>.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y433d wbfc hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Dep<span class=\"_ _3\"></span>reciatio<span class=\"_ _3\"></span>n and amor<span class=\"_ _3\"></span>tisation<span class=\"_ _35a\"> </span></div></td><td class=\"c n x120a y433e wbfd hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">6<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x120b y433e w8cc hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lse wsf4\">3.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x120c y433e wbfe hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">1.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa04 y433e wbff hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y433f ff1 fs6 fc4 sc0 ls0 ws0\">Profit or l<span class=\"_ _3\"></span>oss for t<span class=\"_ _3\"></span>he year<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x2cd ha y4340 ff1 fs6 fc4 sc0 ls63 ws5f\">Net in<span class=\"_ _0\"></span>terest income<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>expense<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></td><td class=\"c n x120d y4341 wc00 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscb wsc9\">47<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x120e y4341 wc01 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscd wscc\">2<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x120f y4341 wc02 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1210 y4341 waf4 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsce ws70\">65<span class=\"_ _3\"></span>8.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4342 wc03 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls63 ws5f\">Other (<span class=\"_ _0\"></span>ex<span class=\"_ _0\"></span>pense)<span class=\"_ _0\"></span>/income<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1211 y4342 wc04 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1212 y4342 w651 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsf2 wsee\">(3.<span class=\"_ _3\"></span>8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xa1f y4342 wc05 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls3 wsc7\">6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1213 y4342 wc06 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls33 ws31\">(0.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4343 wbd5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal incom<span class=\"_ _3\"></span>e/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>expens<span class=\"_ _3\"></span>e<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1214 y4343 w1b hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lscb wsc9\">470<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1215 y4343 wc07 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd9 wsd5\">2<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1216 y4343 w9b8 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls4 wsc8\">(<span class=\"_ _1\"></span>4<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1217 y4343 wc08 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lscc wscb\">6<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>8.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f94 wc09 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Impairm<span class=\"_ _3\"></span>ent of financial as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1218 y41c7 wc0a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscf wscd\">(<span class=\"_ _3\"></span>41<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1219 y41c7 wc0b hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscd wscc\">(<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.9)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x121a y41c7 wa9a hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(0.<span class=\"_ _3\"></span>3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x121b y41c7 w976 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd0 wsce\">(<span class=\"_ _3\"></span>48<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4344 wc0c hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">Contribut<span class=\"_ _0\"></span>ion to profit<span class=\"_ _35a\"> </span></div></td><td class=\"c n x121c y4344 wc0d hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls4 wsc8\">4<span class=\"_ _3\"></span>2<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x121d y4344 wc0e hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd8 ws5c\">230.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x121e y4344 wc0f hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd0 wsce\">(<span class=\"_ _3\"></span>50.0)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x121f y4344 w9b7 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls4 wsc8\">6<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8b wbe1 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Administrati<span class=\"_ _3\"></span>ve expens<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1220 y3d8c wc10 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(132.<span class=\"_ _3\"></span>5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1221 y3d8c wc11 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>0.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1222 y3d8c wc12 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(1.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1223 y3d8c w42c hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(23<span class=\"_ _3\"></span>4.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d8d w8e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsf6 ws77\">Provisions<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1224 y3f98 w9a7 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls33 ws31\">(0.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1225 y3f98 wb37 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">(<span class=\"_ _3\"></span>0.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1226 y3f98 w489 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1227 y3f98 we5 hb2\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls3 wsc7\">(0<span class=\"_ _3\"></span>.4<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4345 wbe8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">Profit/<span class=\"_ _0\"></span>(loss<span class=\"_ _0\"></span>) before taxa<span class=\"_ _0\"></span>tion<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1228 y4345 wc13 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsd0 wsce\">296<span class=\"_ _3\"></span>.3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1229 y4345 wc14 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls4 wsc8\">1<span class=\"_ _3\"></span>2<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x122a y4345 wc15 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 lsfb wsfa\">(<span class=\"_ _3\"></span>51.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x122b y4345 wb46 hb2\"><div class=\"t m1 x247 ha y3cd2 ff2 fs0 fc4 sc0 ls28 ws43\">3<span class=\"_ _3\"></span>74.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3d92 wc16 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">T<span class=\"_ _0\"></span>axation</div><div class=\"t m1 x122c h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n xf9b y4346 wc17 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls29 wsca\">(<span class=\"_ _3\"></span>7<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x122d y4346 wc18 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsf2 wsee\">(3<span class=\"_ _3\"></span>0.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x122e y4346 wc19 hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 ls28 ws43\">1<span class=\"_ _3\"></span>4.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x122f y4346 wc1a hb2\"><div class=\"t m1 x247 h24 y3d78 ff2 fs0 fc4 sc0 lsd0 wsce\">(91.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a w10b hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls104 ws59\">Profit/<span class=\"_ _0\"></span>(loss<span class=\"_ _0\"></span>) for the yea<span class=\"_ _0\"></span>r<span class=\"_ _35a\"> </span></div></td><td class=\"c n x11f6 y3d5a wc1b hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsd8 ws5c\">22<span class=\"_ _3\"></span>0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1230 y3d5a w50c hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 ls4 wsc8\">9<span class=\"_ _1\"></span>9.<span class=\"_ _3\"></span>0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1231 y3d5a wc1c hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _1\"></span>3<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n xcba y3d5a wc1d hb5\"><div class=\"t m1 x247 ha y3d00 ff2 fs0 fc4 sc0 lsd8 ws5c\">282.6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs73c\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>The t<span class=\"_ _3\"></span>axatio<span class=\"_ _3\"></span>n on Co<span class=\"_ _3\"></span>mbin<span class=\"_ _3\"></span>atio<span class=\"_ _3\"></span>n cred<span class=\"_ _3\"></span>it inc<span class=\"_ _3\"></span>lude<span class=\"_ _3\"></span>s rele<span class=\"_ _3\"></span>as<span class=\"_ _3\"></span>e of defe<span class=\"_ _3\"></span>rred t<span class=\"_ _3\"></span>axatio<span class=\"_ _3\"></span>n on CC<span class=\"_ _3\"></span>FS Comb<span class=\"_ _3\"></span>inati<span class=\"_ _3\"></span>on rel<span class=\"_ _3\"></span>atin<span class=\"_ _3\"></span>g to the </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs73d\">unwi<span class=\"_ _3\"></span>nd of the d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x liabi<span class=\"_ _3\"></span>litie<span class=\"_ _3\"></span>s rec<span class=\"_ _3\"></span>ogni<span class=\"_ _3\"></span>sed o<span class=\"_ _3\"></span>n the fa<span class=\"_ _3\"></span>ir valu<span class=\"_ _3\"></span>e adjus<span class=\"_ _3\"></span>tme<span class=\"_ _3\"></span>nts of th<span class=\"_ _3\"></span>e CCFS as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s and lia<span class=\"_ _3\"></span>bilit<span class=\"_ _3\"></span>ies at<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs73e\">the<span class=\"_ gs378\"> </span>a<span class=\"_ _3\"></span>cqui<span class=\"_ _3\"></span>sitio<span class=\"_ _3\"></span>n date of \u00a3<span class=\"_ _3\"></span>14.3<span class=\"_ _3\"></span>m and th<span class=\"_ _3\"></span>e rele<span class=\"_ _3\"></span>ase o<span class=\"_ _3\"></span>f other d<span class=\"_ _3\"></span>efer<span class=\"_ _3\"></span>red ta<span class=\"_ _3\"></span>x ass<span class=\"_ _3\"></span>ets on C<span class=\"_ _3\"></span>omb<span class=\"_ _3\"></span>inati<span class=\"_ _3\"></span>on adju<span class=\"_ _3\"></span>stm<span class=\"_ _3\"></span>ents o<span class=\"_ _3\"></span>f \u00a30.3<span class=\"_ _3\"></span>m.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs740\">46. <span class=\"_ _2\"></span>C<span class=\"_ _3\"></span>ountry by country reporting (CBCR)<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs741\">CBCR was in<span class=\"_ _0\"></span>troduced through Article 89 of CRD IV<span class=\"_ _2\"></span>, aimed at the banking and capital mark<span class=\"_ _0\"></span>ets indus<span class=\"_ _0\"></span>try. The name, nature of activities and geo<span class=\"_ _0\"></span>graphic location of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s companies ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs742\">present<span class=\"_ _0\"></span>ed below:<span class=\"_ _35a\"> </span></div><div class=\"gs4a4\"><table class=\"s wc1e h136\" id=\"_22889cd7-5cd8-4981-a610-2d659f9eeea8\"><tr><td class=\"c n x248 y4347 wc1f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Jurisdiction</div></td><td class=\"c n x1232 y4347 wc20 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Country<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1233 y4347 wc21 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Name<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1234 y4347 wc22 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activities<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y4348 wc23 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls120 ws123\">UK</div><div class=\"t m1 x1235 h52 y4094 ff1 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1236 y4349 wc24 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">England</div></td><td class=\"c n x1237 y4349 wc25 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">OS<span class=\"_ _3\"></span>B GROU<span class=\"_ _3\"></span>P PL<span class=\"_ _0\"></span>C<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1238 y4349 wc26 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">H<span class=\"_ _3\"></span>olding com<span class=\"_ _3\"></span>pany<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y434a wc27 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 ls0 ws0\">One<span class=\"_ _3\"></span>Sav<span class=\"_ _3\"></span>ings Bank p<span class=\"_ _3\"></span>lc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1239 y434a wc28 hb1\"><div class=\"t m1 x247 hf y3d63 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lending and<span class=\"_ _0\"></span> deposit taking<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y434b wc29 hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">5D Financ<span class=\"_ _3\"></span>e Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x123a y434b wc2a hba\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage ser<span class=\"_ _3\"></span>vicer and pr<span class=\"_ _0\"></span>ovider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y434c wc2b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Broa<span class=\"_ _3\"></span>dlands Financ<span class=\"_ _3\"></span>e Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x123b y434c wc2c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage adminis<span class=\"_ _3\"></span>tration ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ices<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x76f y434d wc2d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">CCFSG Ho<span class=\"_ _3\"></span>ldings Limited (formerly: Char<span class=\"_ _3\"></span>ter Co<span class=\"_ _3\"></span>urt Finan<span class=\"_ _3\"></span>cial Ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ices Group Pl<span class=\"_ _3\"></span>c<span class=\"_ _0\"></span>)</div><div class=\"t m1 x123c h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">2</div></td><td class=\"t m1 x123d hf y434e ff2 fs6 fc4 sc0 ls0 ws0\">Interme<span class=\"_ _3\"></span>diate holding c<span class=\"_ _3\"></span>ompany<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td></td><td class=\"c n x76f y434f wc2e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Char<span class=\"_ _3\"></span>ter Cour<span class=\"_ _3\"></span>t Financi<span class=\"_ _3\"></span>al Ser<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x123e y434f wc2f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage lendi<span class=\"_ _0\"></span>ng and deposit ta<span class=\"_ _0\"></span>king<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4350 wc30 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Charter Mortgages Lim<span class=\"_ _0\"></span>ited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x123f y4350 wc31 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Mor<span class=\"_ _3\"></span>tgage a<span class=\"_ _3\"></span>dministration and analy<span class=\"_ _3\"></span>tical ser<span class=\"_ _3\"></span>v<span class=\"_ _3\"></span>ices<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4351 wc32 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Easioption Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1240 y4351 wc33 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Interme<span class=\"_ _3\"></span>diate holding c<span class=\"_ _3\"></span>ompany<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4352 wc34 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Exact Mortgage Experts Limi<span class=\"_ _0\"></span>ted<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1241 y4352 w67a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Gro<span class=\"_ _3\"></span>up ser<span class=\"_ _3\"></span>vice c<span class=\"_ _3\"></span>ompany<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4353 wc35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Guern<span class=\"_ _3\"></span>sey Hom<span class=\"_ _3\"></span>e Loans Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1239 y4353 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4354 wc37 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Heritab<span class=\"_ _3\"></span>le Deve<span class=\"_ _3\"></span>lopment Finan<span class=\"_ _3\"></span>ce Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1242 y4354 wc38 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _0\"></span> originator<span class=\"_ _0\"></span> and ser<span class=\"_ _3\"></span>vicer<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4355 wc39 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Inter Bay Finan<span class=\"_ _3\"></span>cial I Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1240 y4355 wc33 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Interme<span class=\"_ _3\"></span>diate holding c<span class=\"_ _3\"></span>ompany<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4356 wc3a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">InterBay A<span class=\"_ _3\"></span>sset Finan<span class=\"_ _3\"></span>ce Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1243 y4356 wc3b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Asset fi<span class=\"_ _0\"></span>nance and mortgage provider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4357 wc3c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay Fundin<span class=\"_ _3\"></span>g, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1244 y4357 wc3d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">M<span class=\"_ _3\"></span>ortgage servicer<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4358 wc3e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls68 ws14\">Interb<span class=\"_ _3\"></span>ay ML, Ltd<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1245 y4358 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4359 wc3f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Jer<span class=\"_ _3\"></span>sey Ho<span class=\"_ _3\"></span>me Loans Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1246 y4359 wc40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y435a wc41 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Pres<span class=\"_ _3\"></span>tige Finance Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1247 y435a wc42 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage ori<span class=\"_ _0\"></span>ginator a<span class=\"_ _0\"></span>nd ser<span class=\"_ _3\"></span>vicer<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y4332 wc43 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Relianc<span class=\"_ _3\"></span>e Proper<span class=\"_ _3\"></span>ty Loans Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1248 y4332 wc36 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x76f y3f99 wc44 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Rochester Mortgages Lim<span class=\"_ _0\"></span>ited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1249 y3f99 wc45 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage pr<span class=\"_ _0\"></span>ovider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x1236 y435b w922 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Guernsey</div></td><td class=\"c n x124a y435b wc35 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Guerns<span class=\"_ _3\"></span>ey Hom<span class=\"_ _3\"></span>e Loans Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x124b y435b wc40 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Mortgage provider<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x124c y3d5a wc46 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">J<span class=\"_ _3\"></span>ersey<span class=\"_ _35a\"> </span></div></td><td class=\"c n x124d y3d5a wc47 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Je<span class=\"_ _3\"></span>rsey H<span class=\"_ _3\"></span>ome Loans Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x124e y3d5a wc45 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Mor<span class=\"_ _3\"></span>tgage<span class=\"_ _0\"></span> provider<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs743\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>Gue<span class=\"_ _3\"></span>rns<span class=\"_ _3\"></span>ey Ho<span class=\"_ _3\"></span>me Loan<span class=\"_ _3\"></span>s Limite<span class=\"_ _3\"></span>d (Gue<span class=\"_ _3\"></span>rns<span class=\"_ _3\"></span>ey) an<span class=\"_ _3\"></span>d Jer<span class=\"_ _3\"></span>sey H<span class=\"_ _3\"></span>ome Lo<span class=\"_ _3\"></span>ans Lim<span class=\"_ _3\"></span>ited (Je<span class=\"_ _3\"></span>rse<span class=\"_ _3\"></span>y) are in<span class=\"_ _3\"></span>corp<span class=\"_ _3\"></span>ora<span class=\"_ _3\"></span>ted in Gu<span class=\"_ _3\"></span>ern<span class=\"_ _3\"></span>sey an<span class=\"_ _3\"></span>d Jer<span class=\"_ _3\"></span>sey r<span class=\"_ _3\"></span>esp<span class=\"_ _3\"></span>ect<span class=\"_ _3\"></span>ivel<span class=\"_ _3\"></span>y but are c<span class=\"_ _3\"></span>ons<span class=\"_ _3\"></span>ide<span class=\"_ _3\"></span>red to b<span class=\"_ _3\"></span>e loc<span class=\"_ _3\"></span>ated i<span class=\"_ _3\"></span>n the U<span class=\"_ _3\"></span>K as the<span class=\"_ _3\"></span>y are man<span class=\"_ _3\"></span>age<span class=\"_ _3\"></span>d and c<span class=\"_ _3\"></span>ontrol<span class=\"_ _3\"></span>led in t<span class=\"_ _3\"></span>he UK w<span class=\"_ _3\"></span>ith no p<span class=\"_ _3\"></span>erm<span class=\"_ _3\"></span>ane<span class=\"_ _3\"></span>nt </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs744\">establishments<span class=\"_ _0\"></span> in Guernsey or<span class=\"_ _0\"></span> Jersey.<span class=\"_ _35a\"> </span></div><div class=\"gs5e4\"><table class=\"s wc48 h137\" id=\"_4b2db9ec-8f62-46c3-8a3e-1f715c7ae5ac\"><tr><td class=\"c n x248 y435c wc1f hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Jurisdiction</div></td><td class=\"c n x1232 y435c wc20 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Country<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1233 y435c wc21 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Name<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1234 y435c wc22 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">Activities<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y435d wc49 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls120 ws123\">UK<span class=\"_ _35a\"> </span></div></td><td class=\"c n x124f y3faa wc4a hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsc4 ws26\">England</div></td><td class=\"c n x1250 y3faa wc4b hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">C<span class=\"_ _3\"></span>anterbury Financ<span class=\"_ _3\"></span>e No. 2 plc<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1251 y3faa wc4c hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Spe<span class=\"_ _3\"></span>cial purp<span class=\"_ _3\"></span>ose vehicl<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y435e ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance No. 3 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y435f ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance No. 4 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y4360 ff2 fs6 fc4 sc0 ls0 ws0\">Canterbur<span class=\"_ _3\"></span>y Finance No. 5 pl<span class=\"_ _3\"></span>c<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y4361 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2020<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y4362 ff2 fs6 fc4 sc0 ls0 ws0\">Keys Warehouse No.1 L<span class=\"_ _0\"></span>imite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y4363 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2023<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x85d hf y4364 ff2 fs6 fc4 sc0 ls0 ws0\">CMF 2024<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>1 plc</td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x24c ha y4365 ff1 fs6 fc4 sc0 ls0 ws0\"> <span class=\"_ _27c\"> </span><span class=\"ff2\"> <span class=\"_ _a7\"> </span>PMF 20<span class=\"_ _3\"></span>24-<span class=\"_ _0\"></span>1 plc<span class=\"_ _35a\"> </span></span></td><td></td></tr><tr><td class=\"c n x248 y3d57 wc49 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls120 ws123\">UK<span class=\"_ _35a\"> </span></div></td><td class=\"c n x124f y3d58 wc4a hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">England</div></td><td class=\"c n x1250 y3d58 wc4d hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">WS<span class=\"_ _3\"></span>E Bour<span class=\"_ _3\"></span>ton Road Limite<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1252 y3d58 wc4e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Land lea<span class=\"_ _3\"></span>se investm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d59 wc4f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls9e ws9b\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x124c y3d5a w9f1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls69 ws1e\">India<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1253 y3d5a wc50 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">OS<span class=\"_ _3\"></span>B India Pri<span class=\"_ _3\"></span>vate Limited<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1254 y3d5a wc51 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Back offic<span class=\"_ _3\"></span>e proce<span class=\"_ _3\"></span>ssing<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs746\">2. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>O<span class=\"_ _3\"></span>n 18 Marc<span class=\"_ _3\"></span>h 2024 Ch<span class=\"_ _3\"></span>art<span class=\"_ _3\"></span>er Co<span class=\"_ _3\"></span>urt F<span class=\"_ _3\"></span>inanc<span class=\"_ _3\"></span>ial S<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>vic<span class=\"_ _3\"></span>es Gro<span class=\"_ _3\"></span>up Plc c<span class=\"_ _3\"></span>hang<span class=\"_ _3\"></span>ed it<span class=\"_ _3\"></span>s nam<span class=\"_ _3\"></span>e to CCFSG H<span class=\"_ _3\"></span>old<span class=\"_ _3\"></span>ings Li<span class=\"_ _3\"></span>mited<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs747\">Other disclosures requir<span class=\"_ _0\"></span>ed by the CBCR directiv<span class=\"_ _0\"></span>e are provided belo<span class=\"_ _0\"></span>w:<span class=\"_ _35a\"> </span></div><div class=\"gs748\"><table class=\"s wc52 h138\" id=\"_e02a1c87-550e-4c52-bb3a-4cb97cd65848\"><tr><td class=\"c n x248 y4366 w4de hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1255 y4366 wc53 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">UK<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1256 y4366 wc54 hb9\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">India</div></td><td class=\"c x1258 y4366 wc55 h139\"><div class=\"t m1 x247 h21 y3d5f ff1 fs5 fc5 sc0 ls0 ws0\">C<span class=\"_ _3\"></span>onsolidation</div><div class=\"t m1 x1257 h52 y4367 ff1 fs12 fc5 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"t m1 x243 h21 y4368 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4369 wc56 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Aver<span class=\"_ _0\"></span>age number of<span class=\"_ _0\"></span> employees<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1259 y436a wc57 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsd2 wsd1\">1,566<span class=\"_ _35a\"> </span></div></td><td class=\"c n x125a y436a w9be hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsfa wsf8\">993<span class=\"_ _35a\"> </span></div></td><td class=\"c n x125b y436a wf5 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x125c y436a wc58 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls6f ws6b\">2,<span class=\"_ _3\"></span>559<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y436b wc59 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>rnover</div><div class=\"t m1 x11f2 h20 y3d76 ff2 fs12 fc4 sc0 ls0 ws0\">1</div><div class=\"t m1 x125d hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x125e y436c wbb2 hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lse wsf4\">666.<span class=\"_ _0\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x125f y436c wc5a hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">2<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1260 y436c wc5b hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(20<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1261 y436c wc5c hb2\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">6<span class=\"_ _1\"> </span>6<span class=\"_ _1\"></span>7.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4042 wc5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Profit/(loss) before tax, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1262 y4043 wa23 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf0 wseb\">4<span class=\"_ _3\"></span>1<span class=\"_ _1\"></span>7.<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1263 y4043 wc5e hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc8 ws29\">3.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1264 y4043 wc5f hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls3b ws39\">(2<span class=\"_ _3\"></span>.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1265 y4043 wc60 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf7 wsf5\">41<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y436d wc61 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Corp<span class=\"_ _3\"></span>oration tax pai<span class=\"_ _3\"></span>d, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1266 y436e wc62 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsf2 wsee\">118<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1267 y436e wc63 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls84 ws84\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1268 y436e wf9 hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1269 y436e w9ca hb5\"><div class=\"t m1 x247 hf y3d65 ff1 fs0 fc4 sc0 lsc3 wsc1\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c h21 y436f ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _324\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _221\"> </span> <span class=\"_ _221\"> </span> <span class=\"_ _221\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd3 wc56 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">Aver<span class=\"_ _0\"></span>age number of<span class=\"_ _0\"></span> employees<span class=\"_ _35a\"> </span></div></td><td class=\"c n x126a y4066 wc64 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscb wsc9\">1<span class=\"_ _3\"></span>,4<span class=\"_ _3\"></span>61<span class=\"_ _35a\"> </span></div></td><td class=\"c n x126b y4066 w904 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd7 wsd4\">811<span class=\"_ _35a\"> </span></div></td><td class=\"c n x126c y4066 w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x126d y4066 w9b8 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls31 ws7\">2,2<span class=\"_ _3\"></span>72<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y3fd5 wc59 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>rnover</div><div class=\"t m1 x11f2 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1</div><div class=\"t m1 x125d hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x126e y3fe6 wc65 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">6<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>7.<span class=\"_ _1\"> </span>3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x126f y3fe6 w69f hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsce ws70\">18.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1270 y3fe6 wc66 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd9 wsd5\">(<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span>7.<span class=\"_ _3\"></span>9<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1271 y3fe6 wc67 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">6<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wc5d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Profit/(loss) before tax, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1272 y3fb5 wc68 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls48 ws48\">373.<span class=\"_ _3\"></span>5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1273 y3fb5 wc69 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lscc wscb\">3<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1274 y3fb5 wc6a hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">(2<span class=\"_ _3\"></span>.3)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1275 y3fb5 wc68 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls28 ws43\">37<span class=\"_ _3\"></span>4.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wc61 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Corp<span class=\"_ _3\"></span>oration tax pai<span class=\"_ _3\"></span>d, \u00a3m<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1266 y3f5f wc6b hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">10<span class=\"_ _3\"></span>2.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1276 y3f5f wc6c hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsd8 ws5c\">0.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1277 y3f5f w489 hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1278 y3f5f wc6d hb5\"><div class=\"t m1 x247 hf y3d65 ff2 fs0 fc4 sc0 lsc7 wsc4\">103.6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs749\">1. <span class=\"_ _14\"> </span> <span class=\"_ _5\"></span>T<span class=\"_ _0\"></span>urn<span class=\"_ _3\"></span>over r<span class=\"_ _3\"></span>epre<span class=\"_ _3\"></span>sent<span class=\"_ _3\"></span>s total in<span class=\"_ _3\"></span>com<span class=\"_ _3\"></span>e bef<span class=\"_ _3\"></span>ore imp<span class=\"_ _3\"></span>airm<span class=\"_ _3\"></span>ent of fin<span class=\"_ _3\"></span>anci<span class=\"_ _3\"></span>al and int<span class=\"_ _3\"></span>angib<span class=\"_ _3\"></span>le as<span class=\"_ _3\"></span>set<span class=\"_ _3\"></span>s, reg<span class=\"_ _3\"></span>ulato<span class=\"_ _3\"></span>ry prov<span class=\"_ _3\"></span>isio<span class=\"_ _3\"></span>ns and o<span class=\"_ _3\"></span>pe<span class=\"_ _3\"></span>rating c<span class=\"_ _3\"></span>os<span class=\"_ _3\"></span>ts, bu<span class=\"_ _3\"></span>t af<span class=\"_ _3\"></span>ter ne<span class=\"_ _3\"></span>t intere<span class=\"_ _3\"></span>st in<span class=\"_ _3\"></span>com<span class=\"_ _3\"></span>e, gain<span class=\"_ _3\"></span>s and lo<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>s on fin<span class=\"_ _3\"></span>ancia<span class=\"_ _3\"></span>l inst<span class=\"_ _3\"></span>rume<span class=\"_ _3\"></span>nts an<span class=\"_ _3\"></span>d other o<span class=\"_ _3\"></span>per<span class=\"_ _3\"></span>ating i<span class=\"_ _3\"></span>nco<span class=\"_ _3\"></span>me.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs74a\">2. <span class=\"_ _12\"> </span>Rela<span class=\"_ _3\"></span>tes to a m<span class=\"_ _3\"></span>anag<span class=\"_ _3\"></span>eme<span class=\"_ _3\"></span>nt fee to I<span class=\"_ _3\"></span>ndian s<span class=\"_ _3\"></span>ubsi<span class=\"_ _3\"></span>diar<span class=\"_ _3\"></span>ies fr<span class=\"_ _3\"></span>om On<span class=\"_ _3\"></span>eSa<span class=\"_ _3\"></span>vin<span class=\"_ _3\"></span>gs Ban<span class=\"_ _3\"></span>k plc fo<span class=\"_ _3\"></span>r prov<span class=\"_ _3\"></span>idin<span class=\"_ _3\"></span>g bac<span class=\"_ _3\"></span>k<span class=\"_ _0\"></span>-offic<span class=\"_ _3\"></span>e pro<span class=\"_ _3\"></span>ces<span class=\"_ _3\"></span>sing<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs74c\">The tables belo<span class=\"_ _0\"></span>w reconcile tax charged and t<span class=\"_ _0\"></span>ax paid during the year<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"gs494\"><table class=\"s wc6e h13a\" id=\"_de58a655-4169-461d-9832-0ee8ab6dcae3\"><tr><td></td><td class=\"t m1 x1279 h21 y4370 ff1 fs5 fc5 sc0 ls0 ws0\">UK<span class=\"_ _35a\"> </span></td><td class=\"t m1 x3cd h21 y4370 ff1 fs5 fc5 sc0 ls0 ws0\">India<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y4370 ff1 fs5 fc5 sc0 lsc1 wsbf\">To<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c h21 y4371 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 xa1c h21 y4371 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27b h21 y4371 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y4371 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y4372 wc6f hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsc4 ws26\">T<span class=\"_ _0\"></span>ax cha<span class=\"_ _0\"></span>rge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1129 y4372 wc70 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>9.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x127a y4372 w645 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x127b y4372 wc71 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">11<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y4373 ff2 fs6 fc4 sc0 lsd4 ws24\">Effects of:<span class=\"_ _126\"> </span><span class=\"ff1 ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y4374 wc72 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er timing differen<span class=\"_ _3\"></span>ces<span class=\"_ _35a\"> </span></div></td><td class=\"c n x127c y4375 w645 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x127d y4375 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x127e y4375 w645 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4376 wc73 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax outsid<span class=\"_ _3\"></span>e of profit or los<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x127f y4377 w75e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1280 y4377 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1281 y4377 wc74 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2c ws2b\">(0<span class=\"_ _3\"></span>.2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4378 wc75 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Prior ye<span class=\"_ _3\"></span>ar tax includ<span class=\"_ _3\"></span>ed within tax charg<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1282 y4379 wc76 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1283 y4379 w6f7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1284 y4379 w4c8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y437a wc77 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax in relation to f<span class=\"_ _3\"></span>uture perio<span class=\"_ _3\"></span>ds prepaid<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1285 y437b w91 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1286 y437b w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1287 y437b w91 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">3<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y437c wc78 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2e ws2d\">Ta<span class=\"_ _3\"></span>x<span class=\"_ _3\"></span> p<span class=\"_ _1\"></span>a<span class=\"_ _3\"></span>i<span class=\"_ _3\"></span>d<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1288 y437c wc1b hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls12 ws10\">118<span class=\"_ _3\"></span>.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1289 y437c w645 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse3 wsdc\">0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x128a y437c wc79 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse2 wsdb\">1<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>9.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y437d ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _c1\"> </span><span class=\"ff2 fs6 fc4 ls0 ws0\"> <span class=\"_ _27c\"> </span> <span class=\"_ _a7\"> </span> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d4d wc7a hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax charge<span class=\"_ _35a\"> </span></div></td><td class=\"c n x128b y3d4d wc7b hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.9<span class=\"_ _35a\"> </span></div></td><td class=\"c n x128c y3d4d wc7c hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x128d y3d4d wc7d hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">9<span class=\"_ _3\"></span>1.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c hf y437e ff2 fs6 fc4 sc0 lsd4 ws24\">Effects of:<span class=\"_ _35a\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x248 y40dc wc72 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Oth<span class=\"_ _3\"></span>er timing differen<span class=\"_ _3\"></span>ces<span class=\"_ _35a\"> </span></div></td><td class=\"c n x128e y40dc w70f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x128f y40dc w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1290 y40dc wc7e hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls67 ws63\">13.6<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d53 wc73 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax outsid<span class=\"_ _3\"></span>e of profit or los<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1291 y3d53 w4d7 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">(0.5)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1292 y3d53 w6d4 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1293 y3d53 wc7f hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls1f ws61\">(0.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d55 wc75 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Prior ye<span class=\"_ _3\"></span>ar tax includ<span class=\"_ _3\"></span>ed within tax charg<span class=\"_ _3\"></span>e<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1294 y3d55 wc80 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1295 y3d55 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1296 y3d55 wc80 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lse9 wse4\">0.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d58 wc77 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ax in relation to f<span class=\"_ _3\"></span>uture perio<span class=\"_ _3\"></span>ds prepaid<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1285 y3d58 wc81 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls21 ws20\">(1<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1297 y3d58 w5e3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1298 y3d58 wc81 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls21 ws20\">(1<span class=\"_ _3\"></span>.6)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d5a wc82 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls69 ws1e\">T<span class=\"_ _0\"></span>ax paid<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1299 y3d5a wc83 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls32 ws30\">102.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x129a y3d5a w91 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls14 ws12\">0.8<span class=\"_ _35a\"> </span></div></td><td class=\"c n x129b y3d5a wc84 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls59 wsde\">103.6</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeographicalAreasExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws18c gs755\">48. Controlling <span class=\"_ _1\"></span>par<span class=\"_ _3\"></span>ty<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs756\">As at 31 December 2024 there w<span class=\"_ _0\"></span>as no controlling party of the ultimate paren<span class=\"_ _0\"></span>t company of the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs757\">Group, O<span class=\"_ _0\"></span>SB GROUP PL<span class=\"_ _0\"></span>C<span class=\"_ _0\"></span>. </div>",
   "dimensions": {
    "concept": "osbgroupplc:DisclosureOfControllingParty",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-518": {
   "value": "49<span class=\"_ _2\"></span>. <span class=\"_ _3\"></span>T<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ansactions with k<span class=\"_ _0\"></span>ey management personnel<span class=\"_ _35a\"> </span>All related party transac<span class=\"_ _0\"></span>tions were made on terms equiv<span class=\"_ _0\"></span>alent to those that pre<span class=\"_ _0\"></span>vail in arm<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s length transactions<span class=\"_ _0\"></span>. During the year<span class=\"_ _0\"></span>, there w<span class=\"_ _0\"></span>ere no relat<span class=\"_ _0\"></span>ed party transactions between the k<span class=\"_ _0\"></span>ey management per<span class=\"_ _0\"></span>sonnel and the Group other than as described below<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span>The Director<span class=\"_ _0\"></span>s and Group Executiv<span class=\"_ _0\"></span>e team are considered t<span class=\"_ _0\"></span>o be key managemen<span class=\"_ _0\"></span>t personnel.<span class=\"_ _35a\"> </span>Director<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 remuner<span class=\"_ _0\"></span>ation is disclosed in note 9 and in the Director<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>\u2019 Remuneration R<span class=\"_ _0\"></span>eport on page 158. The Group Ex<span class=\"_ _0\"></span>ecutive team are all employees o<span class=\"_ _0\"></span>f OSB, the table belo<span class=\"_ _0\"></span>w shows the aggregate r<span class=\"_ _0\"></span>emuneration for member<span class=\"_ _0\"></span>s of the team who are non-dir<span class=\"_ _0\"></span>ectors:<span class=\"_ _35a\"> </span><table class=\"s w23f hd9\" id=\"_0c472776-78ce-4565-8989-405abe5cbb10\"><tr><td></td><td class=\"t m1 x45b h21 y43b3 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x45c h21 y43b3 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x4d5 h21 y43b4 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td><td class=\"t m1 x4d6 h21 y43b4 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3\u2019000<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y3e24 wcba hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Short<span class=\"_ _0\"></span>-t<span class=\"_ _0\"></span>erm employee benefits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12cd y3e96 wcbb hc3\"><div class=\"t m1 x247 ha y3de4 ff1 fs6 fc4 sc0 ls23 ws22\">4<span class=\"_ _3\"></span>,7<span class=\"_ _3\"></span>70<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ce y3e24 wcbc hc7\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls66 ws62\">4,4<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3e60 w271 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 lsc4 ws26\">Post<span class=\"_ _0\"></span>-employmen<span class=\"_ _0\"></span>t benefits<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12cf y3ee5 wcbd hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls68 ws14\">232<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d0 y3e60 wcbe hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">62<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3dfe w25a hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls0 ws0\">Share-ba<span class=\"_ _3\"></span>sed p<span class=\"_ _3\"></span>ayments<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d1 y3e90 wcbf hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls67 ws63\">1,371<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d2 y3dfe wcc0 hc1\"><div class=\"t m1 x247 ha y3dda ff2 fs6 fc4 sc0 ls14 ws12\">1,<span class=\"_ _3\"></span>29<span class=\"_ _3\"></span>1<span class=\"_ _35a\"> </span></div></td></tr><tr><td></td><td class=\"c n x12d3 y3e28 wcc1 hc3\"><div class=\"t m1 x247 ha y3ddc ff1 fs6 fc4 sc0 ls11 wsf\">6,<span class=\"_ _3\"></span>373<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d4 y3d5a wcc2 hc6\"><div class=\"t m1 x247 ha y3e0b ff2 fs6 fc4 sc0 ls59 wsde\">5,8<span class=\"_ _3\"></span>04<span class=\"_ _35a\"> </span></div></td></tr></table>Key managemen<span class=\"_ _0\"></span>t personnel and connected per<span class=\"_ _0\"></span>sons held deposits with the Group of \u00a31.6m (2023: \u00a32.<span class=\"_ _0\"></span>3m).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws18d gs765\">50. Capital <span class=\"_ _1\"></span>management<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs766\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s capital managemen<span class=\"_ _0\"></span>t approach is to pro<span class=\"_ _0\"></span>vide a suf<span class=\"_ _3\"></span>ficient capit<span class=\"_ _0\"></span>al base to cover </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs767\">business risk<span class=\"_ _0\"></span>s and suppor<span class=\"_ _3\"></span>t future business de<span class=\"_ _0\"></span>velopment. The Gr<span class=\"_ _0\"></span>oup remained, throughout </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs768\">the year<span class=\"_ _0\"></span>, complian<span class=\"_ _0\"></span>t with its capital requir<span class=\"_ _0\"></span>ements as set out by the PRA, the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s primary </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs769\">prudential supervisor<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs76a\">The Group manages and reports its capit<span class=\"_ _0\"></span>al at a number of lev<span class=\"_ _0\"></span>els including Group level and f<span class=\"_ _0\"></span>or </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls1d ws0 gs76b\">the two r<span class=\"_ _0\"></span>egulated banking entities within the Group<span class=\"_ _0\"></span>, on an individual consolidation basis (OSB </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs76c\">solo) and on an individual entity basis (<span class=\"_ _0\"></span>Char<span class=\"_ _3\"></span>ter Court Financial Services Limited). OSB solo </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs76d\">consists o<span class=\"_ _0\"></span>f OneSavings Bank plc and its UK subsidiaries except f<span class=\"_ _0\"></span>or the CCFS entities acquir<span class=\"_ _0\"></span>ed </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs76e\">in 2019<span class=\"_ _2\"></span>. The capital position of the tw<span class=\"_ _0\"></span>o regulated banking en<span class=\"_ _0\"></span>tities is not separately disclosed.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs76f\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s capital managemen<span class=\"_ _0\"></span>t is based on the three \u2018<span class=\"_ _0\"></span>pillars<span class=\"_ _2\"></span>\u2019 of Basel III. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs770\">Under Pillar 1, the Group calculates it<span class=\"_ _0\"></span>s minimum capital requiremen<span class=\"_ _0\"></span>ts based on 8% of risk<span class=\"_ _0\"></span>-<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs771\">weigh<span class=\"_ _0\"></span>ted assets<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs772\">Under Pillar 2, the Group, and it<span class=\"_ _0\"></span>s regulated entities<span class=\"_ _0\"></span>, complete an annual self-assessment of </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs773\">risk<span class=\"_ _0\"></span>s known as the Internal Capital A<span class=\"_ _0\"></span>dequacy Assessment Process (ICAAP<span class=\"_ _0\"></span>). The PRA applies </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs774\">additional requiremen<span class=\"_ _0\"></span>ts to this assessment amoun<span class=\"_ _0\"></span>t to cover risk<span class=\"_ _0\"></span>s under Pillar 2 to gener<span class=\"_ _0\"></span>ate </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs775\">a<span class=\"_ gs2a\"> </span>T<span class=\"_ _0\"></span>ot<span class=\"_ _0\"></span>al Capital Requiremen<span class=\"_ _0\"></span>t and also sets capital buffers for the Group<span class=\"_ _0\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs776\">Pillar 3 requires firms t<span class=\"_ _0\"></span>o publish a set of disclosures which allo<span class=\"_ _0\"></span>w marke<span class=\"_ _0\"></span>t par<span class=\"_ _3\"></span>ticipants t<span class=\"_ _0\"></span>o assess </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs777\">information on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s capit<span class=\"_ _0\"></span>al, risk exposures and risk assessment pr<span class=\"_ _0\"></span>ocess. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs778\">Pillar 3 disclosures can be found on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _2\"></span>s website.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs779\">On 12 September 2024<span class=\"_ _0\"></span>, the PRA issued it<span class=\"_ _0\"></span>s final rules on the implementing Basel 3.<span class=\"_ _0\"></span>1 in the </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs77a\">UK and subsequently delayed the implemen<span class=\"_ _0\"></span>tation date by one year until 1s<span class=\"_ _0\"></span>t January 2027<span class=\"_ _2\"></span>. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs77b\">The<span class=\"_ gs2a\"> </span>Group has tak<span class=\"_ _0\"></span>en account o<span class=\"_ _0\"></span>f this in planning for future capital r<span class=\"_ _0\"></span>equirements<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs77c\">The ultimate responsibility f<span class=\"_ _0\"></span>or capital adequacy res<span class=\"_ _0\"></span>ts with the Board of Dir<span class=\"_ _0\"></span>ectors<span class=\"_ _0\"></span>. The Group\u2019<span class=\"_ _2\"></span>s </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs77d\">AL<span class=\"_ _0\"></span>CO is responsible f<span class=\"_ _0\"></span>or the management of the capital process within the risk appetit<span class=\"_ _0\"></span>e defined </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs77e\">by the Board, including appr<span class=\"_ _0\"></span>oving policy, ov<span class=\"_ _0\"></span>erseeing internal con<span class=\"_ _0\"></span>trols and setting internal </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs77f\">limits ov<span class=\"_ _0\"></span>er capital ratios<span class=\"_ _0\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs780\">The Group activ<span class=\"_ _0\"></span>ely manages its capital position and reports this on a regular basis t<span class=\"_ _0\"></span>o </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs781\">the Board and senior managemen<span class=\"_ _0\"></span>t via AL<span class=\"_ _0\"></span>CO and other governance committ<span class=\"_ _0\"></span>ees. Capital </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs782\">requiremen<span class=\"_ _0\"></span>ts are included within budgets<span class=\"_ _0\"></span>, forecas<span class=\"_ _0\"></span>ts and s<span class=\"_ _0\"></span>trategic plans with initiativ<span class=\"_ _0\"></span>es being </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs783\">ex<span class=\"_ _0\"></span>ecuted against this plan. </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs785\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Pillar 1 capital inf<span class=\"_ _0\"></span>ormation is presented belo<span class=\"_ _0\"></span>w:<span class=\"_ _35a\"> </span></div><div class=\"gs494\"><table class=\"s wcc3 h13c\" id=\"_549b1ad4-1a71-4dd7-b1d1-d7305f917070\"><tr><td></td><td class=\"t m1 x851 h21 y43b5 ff1 fs5 fc5 sc0 ls0 ws0\">(Unaudited) </td><td class=\"t m1 xb1e h21 y43b5 ff1 fs5 fc5 sc0 ls0 ws0\">(Unaudited) </td></tr><tr><td></td><td class=\"t m1 x3cd h21 y43b6 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x279 h21 y43b6 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x27b h21 y43b7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x27c h21 y43b7 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"t m1 x24c ha y43b8 ff1 fs6 fc4 sc0 ls0 ws0\">Comm<span class=\"_ _3\"></span>on Equity Tie<span class=\"_ _3\"></span>r 1 (CET1) cap<span class=\"_ _3\"></span>ital<span class=\"_ _d9\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y43b9 wcc4 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Calle<span class=\"_ _3\"></span>d up share capital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d5 y43ba wa5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls67 ws63\">3.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d6 y43b9 wa6 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse9 wse4\">3<span class=\"_ _1\"></span>.9<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y43bb wcc5 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lseb ws27\">Share p<span class=\"_ _3\"></span>remium</div><div class=\"t m1 x1042 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d7 y43bc w762 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">4.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d8 y43bd wa9 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls61 ws5d\">3.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43be wae hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Retained e<span class=\"_ _3\"></span>arnings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12d9 y43bf wcc6 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls62 ws5e\">3,406.<span class=\"_ _0\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12da y43be wb0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">3<span class=\"_ _3\"></span>,3<span class=\"_ _3\"></span>30.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43c0 wcc7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsc4 ws26\">Foreseeable dividends<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12db y43c1 wcc8 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls130 ws136\">(85.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12dc y43c0 wbb4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">(85.7<span class=\"_ _1\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y43c2 wcc9 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 lseb ws27\">Oth<span class=\"_ _3\"></span>er rese<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>ves</div><div class=\"t m1 x12dd h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12de y43c3 wb3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">(1,3<span class=\"_ _3\"></span>41.2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12df y43c4 wb4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">(1<span class=\"_ _0\"></span>,343.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43c5 wcca hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls63 ws5f\">CET1 capi<span class=\"_ _0\"></span>tal:<span class=\"_ _0\"></span> instrumen<span class=\"_ _0\"></span>ts and reserves<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e0 y43c5 wccb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e1 y43c6 wccc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">1,9<span class=\"_ _1\"></span>0<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y43c7 ff1 fs6 fc4 sc0 ls0 ws0\">Regul<span class=\"_ _3\"></span>atory Adjust<span class=\"_ _3\"></span>ments<span class=\"_ _123\"> </span> <span class=\"_ _27c\"> </span><span class=\"ff2\"> </span></td><td></td><td></td></tr><tr><td class=\"c x248 y43c8 wccd hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">Prude<span class=\"_ _3\"></span>nt valuation adjus<span class=\"_ _3\"></span>tment</div><div class=\"t m1 x12e2 h20 y3d7a ff2 fs12 fc4 sc0 ls0 ws0\">2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e3 y43c9 wcce hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsdf wsd9\">(0<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e4 y43ca wc7f hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">(0.5<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43cb w69 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Intangible as<span class=\"_ _3\"></span>sets<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e5 y43cc wccf hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls11 wsf\">(<span class=\"_ _3\"></span>48<span class=\"_ _3\"></span>.8)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e6 y43cb wcd0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>26<span class=\"_ _3\"></span>.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43cd wcd1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsd4 ws24\">Deferred tax ass<span class=\"_ _3\"></span>et<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e7 y43ce wcd2 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls2c ws2b\">(0.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12e8 y43cd w4ef hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">(0.3)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c x248 y43cf wcd3 hb1\"><div class=\"t m1 x247 hf y3d69 ff2 fs6 fc4 sc0 ls0 ws0\">COVID<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>19 ECL transitional a<span class=\"_ _3\"></span>djustment</div><div class=\"t m1 x12e9 h20 y409e ff2 fs12 fc4 sc0 ls0 ws0\">3<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ea y43d0 wb0a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse5 wsdf\">7.<span class=\"_ _1\"></span>6<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12eb y3fab wcd4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls68 ws14\">23.8<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43d1 wcd5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lsf6 ws77\">T<span class=\"_ _0\"></span>otal CET1 capital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ec y43d1 w6b7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ed y404b wcd6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y43d2 ff1 fs6 fc4 sc0 ls66 ws62\">AT<span class=\"_ _1\"></span>1<span class=\"_ _3\"></span> c<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>p<span class=\"_ _1\"></span>i<span class=\"_ _3\"></span>t<span class=\"_ _3\"></span>a<span class=\"_ _3\"></span>l<span class=\"_ _aa\"> </span><span class=\"ls0 ws0\"> <span class=\"_ _27c\"> </span><span class=\"ff2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x248 y3d4d wcd7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">A<span class=\"_ _0\"></span>T1 securiti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ee y4145 w16a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">1<span class=\"_ _3\"></span>50.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ef y3d4d wcd8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">150.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fb1 wcd9 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal Tie<span class=\"_ _3\"></span>r 1 capital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f0 y3fb1 wcda hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">2<span class=\"_ _3\"></span>,0<span class=\"_ _3\"></span>9<span class=\"_ _3\"></span>6.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f1 y3d4f wcdb hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">2,0<span class=\"_ _3\"></span>55.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x24c ha y43d3 ff1 fs6 fc4 sc0 ls0 ws0\">Tier 2 c<span class=\"_ _3\"></span>apital<span class=\"_ _203\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x248 y3fd3 wcdc hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Tie<span class=\"_ _3\"></span>r 2 securi<span class=\"_ _3\"></span>ties<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f2 y4066 wcdd hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">25<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f3 y3fd3 wa3e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">250.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fb4 wcde hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal Tie<span class=\"_ _3\"></span>r 2 capital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f4 y3fb4 wcdd hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls32 ws30\">25<span class=\"_ _3\"></span>0.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f5 y3d55 wa3e hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">250.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3fb5 wcdf hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls61 ws5d\">T<span class=\"_ _0\"></span>otal regul<span class=\"_ _3\"></span>atory capital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f6 y3fb5 w127 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls1c ws1b\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n xfe3 y3d58 w824 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,3<span class=\"_ _3\"></span>05<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3f5f wce0 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls101 ws6f\">Risk<span class=\"_ _0\"></span>-weighted as<span class=\"_ _3\"></span>sets (unaudited)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f7 y3f5f wce1 hb1\"><div class=\"t m1 x247 ha y3d00 ff1 fs6 fc4 sc0 ls67 ws63\">11,<span class=\"_ _0\"></span>915.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12f8 y3d5a w729 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls71 ws6d\">11,<span class=\"_ _3\"></span>8<span class=\"_ _3\"></span>45.<span class=\"_ _3\"></span>6<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs786\">1. <span class=\"_ _14\"> </span> <span class=\"_ _4\"></span>The share-based payment<span class=\"_ _0\"></span> reser<span class=\"_ _3\"></span>ve<span class=\"_ _0\"></span> which was previou<span class=\"_ _0\"></span>sly presented al<span class=\"_ _0\"></span>ongside share pr<span class=\"_ _0\"></span>emium has been r<span class=\"_ _0\"></span>e-presented as </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs787\">par<span class=\"_ _3\"></span>t of oth<span class=\"_ _3\"></span>er re<span class=\"_ _3\"></span>ser<span class=\"_ _3\"></span>ve<span class=\"_ _3\"></span>s. Als<span class=\"_ _3\"></span>o, trans<span class=\"_ _3\"></span>fer re<span class=\"_ _3\"></span>ser<span class=\"_ _3\"></span>ve w<span class=\"_ _3\"></span>hich w<span class=\"_ _3\"></span>as pre<span class=\"_ _3\"></span>viou<span class=\"_ _3\"></span>sly p<span class=\"_ _3\"></span>rese<span class=\"_ _3\"></span>nted s<span class=\"_ _3\"></span>epa<span class=\"_ _3\"></span>ratel<span class=\"_ _3\"></span>y has b<span class=\"_ _3\"></span>een re<span class=\"_ _3\"></span>-pre<span class=\"_ _3\"></span>sente<span class=\"_ _3\"></span>d as p<span class=\"_ _3\"></span>art<span class=\"_ _3\"></span> </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs788\">of oth<span class=\"_ _3\"></span>er res<span class=\"_ _3\"></span>er<span class=\"_ _3\"></span>ves<span class=\"_ _3\"></span>.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls53 ws51 gs789\">2. <span class=\"_ _e\"> </span> <span class=\"_ _5\"></span>The Gr<span class=\"_ _0\"></span>oup has adopt<span class=\"_ _0\"></span>ed the simpli<span class=\"_ _0\"></span>fied approach under<span class=\"_ _0\"></span> the Prudent V<span class=\"_ _0\"></span>aluation<span class=\"_ _0\"></span> rules, recognising<span class=\"_ _0\"></span> a deduction equal<span class=\"_ _0\"></span> to </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls0 ws7e gs78a\">sum of absolute value equal to 0.<span class=\"_ _0\"></span>1% (2023<span class=\"_ _0\"></span>: 0.1<span class=\"_ _0\"></span>%) of fair value assets and liabilities excluding offs<span class=\"_ _3\"></span>etting fair<span class=\"_ _0\"></span>-valued asset<span class=\"_ _3\"></span>s </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls13c ws13f gs78b\">and liabilities.<span class=\"_ _35a\"> </span></div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs78c\">3. <span class=\"_ _12\"> </span> <span class=\"_ _4\"></span>T<span class=\"_ _3\"></span>he COV<span class=\"_ _3\"></span>ID-19 ECL tr<span class=\"_ _3\"></span>ansit<span class=\"_ _3\"></span>iona<span class=\"_ _3\"></span>l adjus<span class=\"_ _3\"></span>tme<span class=\"_ _3\"></span>nt rela<span class=\"_ _3\"></span>tes to 25% (20<span class=\"_ _3\"></span>23: 50%<span class=\"_ _3\"></span>) of the Gro<span class=\"_ _3\"></span>up\u2019<span class=\"_ _0\"></span>s in<span class=\"_ _3\"></span>cre<span class=\"_ _3\"></span>ase in s<span class=\"_ _3\"></span>tag<span class=\"_ _3\"></span>e 1 and </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws0 gs78d\">sta<span class=\"_ _3\"></span>ge 2 ECL f<span class=\"_ _3\"></span>ollow<span class=\"_ _3\"></span>ing th<span class=\"_ _3\"></span>e imp<span class=\"_ _3\"></span>acts o<span class=\"_ _3\"></span>f COVI<span class=\"_ _3\"></span>D-19 and for w<span class=\"_ _3\"></span>hich tr<span class=\"_ _3\"></span>ansi<span class=\"_ _3\"></span>tiona<span class=\"_ _3\"></span>l rule<span class=\"_ _3\"></span>s are b<span class=\"_ _3\"></span>eing a<span class=\"_ _3\"></span>dopte<span class=\"_ _3\"></span>d for re<span class=\"_ _3\"></span>gula<span class=\"_ _3\"></span>tory </div><div class=\"t m1 h1d ff2 fs10 fc4 sc0 ls54 ws7f gs78e\">cap<span class=\"_ _3\"></span>ital<span class=\"_ gs378\"> </span>pu<span class=\"_ _3\"></span>rpo<span class=\"_ _3\"></span>ses.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs790\">The mov<span class=\"_ _0\"></span>ement in CET1 during the year w<span class=\"_ _0\"></span>as as follows:<span class=\"_ _35a\"> </span></div><div class=\"gs791\"><table class=\"s wce2 h13d\" id=\"_bedc1900-9458-408c-a262-3756a9bb10dc\"><tr><td></td><td class=\"t m1 x12f9 h21 y43d4 ff1 fs5 fc5 sc0 ls0 ws0\">(Unaudited) </td><td class=\"t m1 x12fa h21 y43d4 ff1 fs5 fc5 sc0 ls0 ws0\">(Unaudited) </td></tr><tr><td></td><td class=\"t m1 x2c8 h21 y43d5 ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y43d5 ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y43d6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y43d6 ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y43d7 w5ff hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">As at 1 J<span class=\"_ _3\"></span>anuary<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12fb y43d8 wce3 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1,9<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12fc y43d7 wce4 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls14 ws12\">1,920.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43d9 wce5 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in retained ear<span class=\"_ _3\"></span>nings<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12fd y43da w4d7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls159 ws167\">76<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>2<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12fe y43d9 wce6 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lsec wse6\">(<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>9.<span class=\"_ _1\"></span>2<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43db wce7 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 ls0 ws0\">Share pre<span class=\"_ _3\"></span>mium from Shares<span class=\"_ _3\"></span>ave Sch<span class=\"_ _3\"></span>eme ves<span class=\"_ _3\"></span>ting<span class=\"_ _35a\"> </span></div></td><td class=\"c n x12ff y43dc w646 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.7<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1300 y43db wce8 hb1\"><div class=\"t m1 x247 ha y3cd0 ff2 fs6 fc4 sc0 lse9 wse4\">1<span class=\"_ _3\"></span>.4<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43dd wce9 hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in other rese<span class=\"_ _3\"></span>r<span class=\"_ _3\"></span>ves<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1301 y43de wcea hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls32 ws30\">2.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1302 y43dd wceb hb3\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">1.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43df wcec hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in forese<span class=\"_ _3\"></span>eable di<span class=\"_ _3\"></span>viden<span class=\"_ _3\"></span>ds<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1303 y43e0 wced hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls26 wse0\">0.5<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1304 y43df wcee hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls101 ws6f\">58.3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43e1 wcef hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">IFRS 9 transitio<span class=\"_ _3\"></span>nal adjustme<span class=\"_ _3\"></span>nt<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1305 y43e2 w9e hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">\u2013<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1306 y43e1 wcf0 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lse9 wse4\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>.4)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43e3 wcf1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">COVID<span class=\"_ _3\"></span>-<span class=\"_ _0\"></span>19 ECL transitional a<span class=\"_ _3\"></span>djustment<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1307 y43e4 wb78 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls14 ws12\">(16.<span class=\"_ _3\"></span>2)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1308 y43e3 wcf2 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">(2<span class=\"_ _3\"></span>.1)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43e5 wcf3 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in prude<span class=\"_ _3\"></span>nt valuation adjustm<span class=\"_ _3\"></span>ent<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1309 y43e6 w64a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x130a y43e5 wab1 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.5<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43e7 wcf4 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Net inc<span class=\"_ _3\"></span>rease in intangibl<span class=\"_ _3\"></span>e asset<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x130b y43e8 wcf5 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1b ws17\">(22<span class=\"_ _3\"></span>.7<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td><td class=\"c n x130c y43e7 wb82 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 lsea wse5\">(<span class=\"_ _3\"></span>1<span class=\"_ _3\"></span>4.1<span class=\"_ _3\"></span>)<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y4128 wcf6 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Movem<span class=\"_ _3\"></span>ent in deferre<span class=\"_ _3\"></span>d tax asset for c<span class=\"_ _3\"></span>arried fo<span class=\"_ _3\"></span>rward lo<span class=\"_ _3\"></span>sse<span class=\"_ _3\"></span>s<span class=\"_ _35a\"> </span></div></td><td class=\"c n x130d y3d58 w64a hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 lse4 wsdd\">0<span class=\"_ _3\"></span>.1<span class=\"_ _35a\"> </span></div></td><td class=\"c n x130e y4128 w5ea hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls14 ws12\">0.<span class=\"_ _3\"></span>3<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"t m1 x2cd ha y43e9 ff1 fs6 fc4 sc0 ls0 ws0\">As at 31 De<span class=\"_ _3\"></span>cemb<span class=\"_ _3\"></span>er<span class=\"_ _35a\"> </span></td><td class=\"c n x130f y43ea w6b7 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls162 ws171\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6.<span class=\"_ _3\"></span>4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1310 y43eb wcf7 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls66 ws62\">1<span class=\"_ _3\"></span>,9<span class=\"_ _3\"></span>0<span class=\"_ _1\"></span>5<span class=\"_ _3\"></span>.<span class=\"_ _3\"></span>7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs792\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s MREL<span class=\"_ _0\"></span> information is presente<span class=\"_ _0\"></span>d below:<span class=\"_ _35a\"> </span></div><div class=\"gs793\"><table class=\"s w441 h13e\" id=\"_1aab0ce3-78dd-4df0-b975-c17d4834697b\"><tr><td></td><td class=\"t m1 x12f9 h21 y43ec ff1 fs5 fc5 sc0 ls0 ws0\">(Unaudited) </td><td class=\"t m1 x12fa h21 y43ec ff1 fs5 fc5 sc0 ls0 ws0\">(Unaudited) </td></tr><tr><td></td><td class=\"t m1 x2c8 h21 y43ed ff1 fs5 fc5 sc0 ls0 ws0\">2024<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2c9 h21 y43ed ff1 fs5 fc5 sc0 lsa5 wsa2\">2023<span class=\"_ _35a\"> </span></td></tr><tr><td></td><td class=\"t m1 x2cb h21 y43ee ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td><td class=\"t m1 x2cc h21 y43ee ff1 fs5 fc5 sc0 ls0 ws0\">\u00a3m<span class=\"_ _35a\"> </span></td></tr><tr><td class=\"c n x248 y43ef wcf8 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal regulatory c<span class=\"_ _3\"></span>apital<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1311 y43f0 wcf9 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">2<span class=\"_ _3\"></span>,<span class=\"_ _3\"></span>3<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1312 y43ef w824 hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,3<span class=\"_ _3\"></span>05<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y43f1 wcfa hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls0 ws0\">Eligible liabiliti<span class=\"_ _3\"></span>es<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1313 y43f2 wb99 hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls23 ws22\">70<span class=\"_ _3\"></span>0<span class=\"_ _3\"></span>.0<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1314 y43f1 w8fe hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls1f ws61\">3<span class=\"_ _3\"></span>00.0<span class=\"_ _35a\"> </span></div></td></tr><tr><td class=\"c n x248 y3d59 wcfb hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal own funds an<span class=\"_ _3\"></span>d eligible li<span class=\"_ _3\"></span>abilities<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1315 y3d59 wcfc hb1\"><div class=\"t m1 x247 ha y3cd2 ff1 fs6 fc4 sc0 ls1c ws1b\">3<span class=\"_ _3\"></span>,0<span class=\"_ _3\"></span>4<span class=\"_ _3\"></span>6.4<span class=\"_ _35a\"> </span></div></td><td class=\"c n x1316 y3d5a wcfd hb1\"><div class=\"t m1 x247 ha y3cdf ff2 fs6 fc4 sc0 ls32 ws30\">2,6<span class=\"_ _3\"></span>05<span class=\"_ _3\"></span>.7<span class=\"_ _35a\"> </span></div></td></tr></table></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws5d gs794\">On 16 January 2024<span class=\"_ _0\"></span>, the Group issued a further \u00a3400<span class=\"_ _0\"></span>.0m (<span class=\"_ _0\"></span>2023: \u00a3300<span class=\"_ _0\"></span>.0m) o<span class=\"_ _0\"></span>f senior unsecured </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs795\">callable notes through O<span class=\"_ _0\"></span>SB GROUP PL<span class=\"_ _0\"></span>C which, while not included in total r<span class=\"_ _0\"></span>egulatory capital, </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs796\">are eligible to meet MREL.<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs797\">The Group has been given a pr<span class=\"_ _0\"></span>eferred r<span class=\"_ _0\"></span>esolution str<span class=\"_ _0\"></span>ategy of a single point of en<span class=\"_ _0\"></span>try bail-in </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs798\">at the holding company lev<span class=\"_ _0\"></span>el by the PRA and has begun compliance with the interim MREL<span class=\"_ _0\"></span> </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs799\">requiremen<span class=\"_ _0\"></span>t of 18% of Risk W<span class=\"_ _0\"></span>eight<span class=\"_ _0\"></span>ed Assets (RW<span class=\"_ _0\"></span>As).<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs79a\">The end-st<span class=\"_ _0\"></span>ate MREL re<span class=\"_ _0\"></span>quirement applies from July 202<span class=\"_ _0\"></span>6 and is the higher of:<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs79b\">(i)  tw<span class=\"_ _0\"></span>o times the sum of Pillar 1 and Pillar 2A plus regulatory buffer<span class=\"_ _0\"></span>s; or<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs79c\">(ii) if subject to a lev<span class=\"_ _0\"></span>erage ratio<span class=\"_ _0\"></span>, two times the applicable r<span class=\"_ _0\"></span>equirement plus regulat<span class=\"_ _0\"></span>ory buf<span class=\"_ _3\"></span>fer<span class=\"_ _0\"></span>s.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "<div class=\"t m1 h19 ff1 fse fc3 sc0 ls0 ws0 gs79e\">51. <span class=\"_ _1\"></span>Events after the reporting date<span class=\"_ _35a\"> </span></div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs79f\">The Board has authorised a shar<span class=\"_ _0\"></span>e repurchase of up to \u00a3100<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0m of shares in the mark<span class=\"_ _0\"></span>et from </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a0\">14 March 202<span class=\"_ _0\"></span>5. Any purchases made under this pro<span class=\"_ _0\"></span>gramme will be announced to the mark<span class=\"_ _0\"></span>et </div><div class=\"t m1 hf ff2 fs6 fc4 sc0 ls0 ws0 gs7a1\">each day in line with regulat<span class=\"_ _0\"></span>ory requirements<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-25": {
   "value": "OSB GROUP PLC",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-407": {
   "value": "PLC",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "fact-26": {
   "value": "OSB House Quayside Chatham Kent, ME4 4QZ",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  }
 }
}